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Chances are you could live well into your 80s, your 90s and possibly even longer.
When you live a long life, the likelihood you’ll need long-term health care is greatly increased. Younger people also need long term care as a result of accidents or illnesses.
Almost 70% of people turning age 65 will need long-term care at some point in their lives¹. Many people think the phrase “long-term care” refers to an insurance policy. While insurance may be part of your strategy, long-term care encompasses everything from long-term services and supports and finances, to where you will live and how you will navigate the myriad of legal, family, and social dynamics along the way.
Long-term health care is generally not covered by medical insurance, by Medicare supplement plans or group/employer insurance. For seniors on Medicare, the long-term care benefits can be quite limited.
That is why over 10 million Americans have purchased long-term care insurance¹. We offer several LTC solutions including individual plans, asset-based long-term care, and life-insurance-based long-term care. We will work with you to find the best plan for your LTC needs.

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¹Source: Administration on Aging, U.S. Department of Health and Human Services

We work with you, focusing on the ideal lifestyle you want to live today as opposed to deferring that lifestyle to a future that may never come. Having you really think about what you’re saving for is a big opportunity to have a richer dialogue about your retirement and how we can help you develop a personalized plan to reach your ideal retirement lifestyle.
Creating a life map involves a close analysis of personal finances and an assessment of other building blocks. Lifestyle matters look at how to balance work and leisure, how to make smart choices for the future and many other items regarding how to help you enjoy the journey.
Life can change – the birth of a child, the death of a loved one, the loss of a job, a major purchase – which will readjust your financial strategy. We can help you chart a new course if need be to ensure you meet your financial, lifestyle and retirement goals. We will help you implement any new plan of action that has been developed in light of your changing goals or changing performance.

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Your Social Security retirement benefit represents a lifetime’s worth of savings, time and work. Although many Americans are familiar with the basics of Social Security, few are able to figure out exactly the best way to file, so they can get the most out of all they have put in.
We can help you understand your Social Security benefits and educate you on how you can maximize those benefits. For example, delayed filing for Social Security can potentially increase your benefit amount by a rate of eight percent per year.¹
We will help you get the highest amount possible to help you achieve a secure and enjoyable retirement.

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¹Source: “Incentivizing Delayed Claiming of Social Security Retirement Benefits Before Reaching the Full Retirement Age,” Social Security Administration

You can now look forward to a retirement that could last 30 years or more. That’s a great thing. But planning for it comes with more challenges than ever before. One of the most common fears for retirees and those planning for retirement is outliving their money. So while you’re thinking about hobbies and travel, you’re also focused on healthcare costs. Volatile markets. Taxes and inflation.
We can help, with products that seek income and growth, fixed indexed annuities designed to provide guaranteed lifetime income¹, and life insurance solutions that offer more kinds of risk protection along with the opportunity to build cash value.
We specialize in income strategies for guaranteed income to help you maintain your lifestyle now and in retirement. Contact us to learn more about the tools that can generate a steady stream of retirement income, increase your current savings, or leave a legacy and provide income for your heirs. Be sure to schedule a full discussion with our company about your retirement needs before making any investment decisions.

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¹Guarantees are backed by the financial strength and claims paying ability of the issuing company.

I’m an instructor with Adult Financial Education Services (AFES), specializing in planning and guidance for those who are seeking a better lifestyle and a guaranteed income in retirement. We offer college courses and workshops to further the financial education of our clients, so they will have the knowl­edge and confidence to make financial decisions suited to their goals and objectives.
Retirees and working adults are increasingly responsible for making and understanding sophisticated financial decisions involving investments, diversification, retirement and money management. Many lack the basic knowledge to assume these responsibilities, placing their financial well-being and retirement lifestyle in jeopardy.
We work with Adult Financial Education Services, a not-for-profit organization that is committed to raising the financial literacy of adults to make suitable financial decisions and understand investment advice received from others.

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Insurance reviews are an opportunity to measure your progress for your future goals. It’s a thorough process which involves a close analysis of personal finances and an assessment of other building blocks. We can help you look at how to balance work and leisure, how to make smart choices for the future and many other items regarding how to help you enjoy the journey. Life can change – the birth of a child, the death of a loved one, the loss of a job, a major purchase – which will readjust your customized strategy. We can help you chart a new course if need be to ensure you meet your personal financial goal.
Annual insurance reviews also provide an excellent chance to examine your short-term and long-term goals. We can work with you, focusing on the ideal lifestyle you want to live today as opposed to deferring that lifestyle to a future that may never come. Having you really think about what you’re saving for is a big opportunity to have a richer dialogue about your retirement and how we can help you develop a personalized plan to reach your ideal retirement. We will help you implement any new plan of action that has been developed in light of your changing goals or changing performance.

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Employee benefits are among the primary tools used to attract and retain a top-notch staff for any organization. Creating a plan that balances the goals of both the organization and its employees requires thorough analysis and review of benefit options and costs. Without the assistance of skilled benefit plan professionals, creating and managing the plan can consume much time and money.
Whether you’re in charge of a small start-up company or a large enterprise, we have the proven knowledge and experience to develop an employee benefits package that will optimize the best benefits possible for your company at the lowest available cost. You will receive strategic planning advice, creative benefit design, and financial management to help you meet your plan objectives and long-term goals.
We will evaluate your business and learn about its needs, offering creative and affordable solutions to maximize your employee retention and profitability.

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One of the keys to a reliable financial strategy is spending less than you take in, and then finding a way to put your excess to work. A money-management approach involves creating budgets you understand so you can make informed decisions about where your money is going. It also involves knowing where you may be able to put your excess cash to work.
You have meaningful goals. We can help you reach them. We have worked with individuals, families, businesses and institutions—to deliver services and solutions that help build, preserve and manage wealth.
We work with you to determine the most appropriate way for you to invest. There are a range of ways to invest, each requiring different levels of involvement and decision making. Some people like to be very involved in the investing process. Others would rather leave the day-to-day decision making to a professional. Still others are somewhere in between. We will work with you to find the best way to manage your portfolio of investments, based on your needs and risk tolerance.

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