YOUR FUTURE
PERSONAL WEALTH
Building a sustainable future for your family via well thought out insurance vehicles.
CRAFTING A PLAN
YOUR FUTURE
PEACE OF MIND
Have confidence in knowing that you are completely prepared for what's ahead and that your family will be taken care of if any unforeseen circumstances arise.
FINANCIAL SECURITY
When it's time for you to retire, you want to rest assured that the wealth you've built throughout the years remains secure and protected.
MAINTAIN YOUR STANDARD OF LIVING
Your golden years are meant to be your greatest. Create a plan that allows you to maintain or exceed the lifestyle that you currently live.
PITFALLS
RETIREMENT
Retirement brings new financial challenges. Avoid potential pitfalls and secure your future by navigating wisely.
TOP MARGINAL TAX RATES
While taxes will always impact the amount of wealth you build, the question is: how much do you want to pay in taxes? At top marginal tax rates below historical averages it may be important to use tax-advantageous vehicles to build wealth. Programs that maximize the amount of money you're able to defer can offer great solutions for building wealth for your family and beneficiaries.
Stock MARKET VOLITILITY
Pre-retirees may be heavily invested in stocks as they approach retirement which could result in large losses to their investments. Emotions can also play a role when investing in the stock market; some may invest too conservatively and miss out on large gains, while others may experience upside growth by being too aggressive, but then feel the effects when/if the stock market were to plunge (again).
LONGEVITY RISKS
Improvements in medicine and health care have provided people with the ability to live longer, healthier lives. In the past, people may have planned for income to last about 10-15 years in retirement, but now retirees may live 20-30 years into their retirement and sometimes even longer. It's important to plan for such possible eventualities
INFLATION RISKS
Inflation is a fact of life in our economy. Every year the costs of goods and services we need are becoming more expensive. Over the course of a 30-year retirement, an inflation rate of 3% could decrease the buying power of your money by 50%. The inflation challenge is a reality and should be taken into account when planning.
BUILDING WEALTH
Advantages of Indexed Universal Life
An IUL policy is for the insured who would like death benefit protection as well as the ability to avoid the volatility of the market while still receiving competitive returns.
THE DETAILS
Hit the link blow to read all the details about our Indexed Universal Life Insurance/Savings Plan and how it can maximize you savings.
