​What does planning for your retirement involve....getting medicare, social security, being tax-efficient (coordinating with a tax account if necessary) and how to pay for  long-term care. It's never too early to start planning and talking about how you want to live in your retirement years. 

Life, Long Term Care, Disability and Annuities

Insurance is a useful tool if things go wrong, you need help taking care of yourself due to an accident, illness, death.  Life insurance can also be a powerful wealth accumulation tool with tax benefits similar to a Roth IRA.  Annuities can help mitigate market losses in a downturn or require the insurer to make payments to you for your lifetime.

Long-term care (LTC) insurance is quickly becoming a focus with states introducing imposed an income tax on people who do not own LTC insurance. It provides help paying for care in your home, nursing-home, assisted living, personal or adult day care.  Long Term Care in a trust can also help save on estate taxes. 

Planning involves protecting the future of a loved one with special needs.  Whether it's learning how to fund a plan or maintaining government benefits eligibility, we can work together to figure out what works best for you and your family.

Estate planning involves determining how an individual’s assets will be preserved, managed, and distributed after death or in the event they become incapacitated.  Also working with an attorney to achieve estate planning goals is important.