Go to College, get a job, work hard for 30-40 years, raise your family and then retire at 65ish years old.

features/benefits

  1. Health/ Disability & Life Insurance

    • Helps provide Risk Mgmt. and Protection

    • Usually purchased thru their employer and/or personally

  2. Extended Care Strategies

    • Helps provide Risk & Portfolio protection

    • Usually purchased thru their employer and/or personally

  3. 401k & IRAs

    • Helps provide Savings & Accumulation

    • Usually purchased thru their employer

    • Can be supplemented with personal savings & investments and/or
      Cash Value Life Insurance (CVLI)
      Helps Provide Protection and Tax Diversification *(thru access to the cash value in the life insurance policy, may decrease the death benefit & available cash surrender values.)

  4. Social Security (SSi)

    • Helps provide Fixed Income

    • SSi is the most common source of fixed income. However, it can be supplemented through deferred or income annuities.

  5. Pensions

    • Most folks don’t have a defined benefit pension anymore. If you are fortunate enough to have one, we can discuss how it fits into your financial house.