Most people are unaware that the IRS grants us all a golden opportunity at age 59 1/2 to protect our pre-taxed qualified retirement accounts like the 401K, 403b, IRA’s and other retirement planning accounts from the risk of sudden market downturns that could wreak havoc on your retirement accounts as you get closer to making important retirement decisions. Losing unexpected retirement funds in a matter of weeks that took you 20+ years to save is not an experience that I would like for anyone to have to go through in the current state of this economy. If you would like learn how to protect your retirement account from any further market downturns. Schedule a meeting with us below.

The scariest part about Long Term Care is not having it when you need it most. Many find out the hard way that the bill for private in Home Care and Skilled Care Facility services can cost you $45,000 to $90,000 annually for those that do not qualify for Medicaid. We have various Long Term Care programs the we can explore with you in finding you the most tax advantaged programs that are designed to protect your family’s wealth. Businesses can also provide these LTC programs as a 100% tax deductible employee benefit back to the business when offered to share holders, executives, employees and spouses.

Retiring early at age 62 can easily be a gift and a curse if one has not considered the full consequence of turning on their Social Security prior to the current full benefit age of 67. Choosing to do so without speaking with a licensed professional could permanently reduce your full retirement income benefit by nearly 30%. Financially this single decision has cost many retirees hundreds of thousands of dollars of reduced income over the course of their retirement. Take a moment to speak with a Retirement Income Specialist Today…

As we age closer to retirement. Many of us will begin to experience health issues that may lead to various levels of disability. Maybe you have experienced what it takes to put your own life and income on hold to be there 24/7 for a love one needing daily care. Even a simple slip and fall can lead someone to needing expensive medical care. Not having the proper coverage for extended healthcare services will require you to pay for long term care services out of pocket. Medicare does not provide these services long term beyond 100 days. The average cost for nursing home care is nearly $100k per year. By not having the financial means to pay for professional care. The state may require for you to sell and surrender asstets by participating in a State Medicaid spendown to qualify for assistance. Click below to meet with our licensed Long Term Care representative.