Are you prepared for Retirement?
It is important to have a plan in place for retirement. Factoring in the rising cost of health care and the increased lifespan of the average man and woman, retirement savings can be depleted quickly. While Social Security is still an active program, its future is unstable. Proper planning will remove these question marks from your future and provide you with peace of mind. Let us educate you on plan options that will optimize your retirement earnings.
Annuities
Annuities can be an excellent retirement planning option. You are likely already participating in the largest annuity policy in the country, Social Security. However, due to the uncertain future of Social Security, additional resources need to be put in place. There are various annuity policies to choose from, including those that offer spousal benefits and long-term care. We can educate you on these options and help determine which one is right for you.
Long-Term Care
The cost of Long-Term care is rising quickly and most people do not have a plan in place to pay for it. Policies were previously designed with a “Use it, or lose it” aspect. However, companies are now offering Long-Term Care insurance policies with added Life Insurance benefits. This means that if you do not use it, the policy will be given to your beneficiary.
