Areas Of Focus

Social Security Claiming Strategies

Did you know if you take Social Security at the wrong time it can cost you thousands if not hundreds of thousands of dollars?

Medicare Projections and Planning

Did you know that healthcare costs will be your largest expense in retirement?

Philanthropic Planning

With the many charitable-giving options available, choosing how to support your favorite cause can be daunting. A general understanding of the common options may help you decide which approach is right for you.

Long Term Care Insurance (LTC)

Someone turning age 65 today has almost a 70% chance of needing some type of long term care services and support in their remaining years. Women need care longer (3.7 years) than men (2.2 years).*

Annuities

An annuity contract involves one or more people and an insurance company. The universal common feature of annuity contracts is the option of the holder or holders to receive assured lifelong income in the form of regular payments from the insurance company.

Life Insurance

Life insurance is a contract between an insured (insurance policy holder) and an insurer, where the insurer promises to pay a designated beneficiary a sum of money (the "benefits") in exchange for a premium, upon the death of the insured person.