Warren Buffett’s No. 1 rule to investing is to never lose money. He also has a second rule, and that is to never forget Rule No. 1!
With thousands of baby boomers retiring every day, some of the top questions on their minds are, “How can I generate an income to last for the rest of my life?” and “How do I protect myself from longevity risk?” We provide solutions and answers to these common questions. Our retirees feel more confident in knowing their income will last for the rest of their lives.
We focus on helping our clients make asset protection and preservation their top priority. Many people underestimate the devastation of losses to their portfolio due to market declines and don’t realize how difficult it can be to rebuild an account.
We believe that the best way to make a dollar is to keep it. Retirement is a critical period, and most retirees simply don’t have the time to recoup losses in their portfolios. Let us show you how we help our clients achieve a reasonable rate of return without ever subjecting their retirement accounts to stock market loss.
It is an important part of every retirement plan to have an estate strategy to help protect your legacy. We work with skilled attorneys who have expertise in living wills, trusts, powers of attorney, and other estate planning documents to make sure your legacy is transferred to whom you want when you want them to receive it.
With over 100 different options for how and when to take Social Security benefits, many retirees wonder about the best strategy. We help by maximizing Social Security with in-depth analysis of your individual situation to determine when to take your benefits and how to file. Understanding how your Social Security income is taxed is also a priority for many retirees. Our experience with benefits helps us teach you how to increase income and reduce taxes.
Does life insurance even make sense at this stage of life? We believe there isn’t a more efficient way to transfer wealth and plan a legacy than with life insurance. It takes pennies on the dollar to add this tax-free death benefit to surviving spouses and loved ones.
Long-term care insurance helps protect you from heavy financial burdens if you or your spouse is unable to perform standard acts of daily living (i.e., walking, using the bathroom unaided, bathing, etc.). The last thing you should have to worry about in a long-term health crisis is the financial cost. We provide comprehensive reviews of your current long-term care insurance and provide options for hybrid products that include both long-term care protection and wealth preservation.