Protect What Matters Most

 Everyone's needs are unique, so we’ll need to do a financial "fire drill" with you to determine how much planning is necessary. The general goal is to replace your income, ensuring that you can maintain your current lifestyle. We’ll assess the "gap" between what you’ve already established and what additional coverage or planning is needed to fill that gap. After all, you've worked hard, and we want to help you enjoy this time doing the things you love without financial worries. 

• Diversification of Income Sources: Ensure your retirement income comes from a variety of sources, such as Social Security, pensions, personal savings, and investments (e.g., IULs, and annuities). This diversification helps reduce risk and provides more financial stability.
• Longevity and Inflation: Plan for a retirement that could last 20-30 years or more. Factor in inflation to ensure your savings and income streams retain their purchasing power over time.
• Tax Efficiency: Consider the tax implications of different income streams, such as 401(k)s, IRAs, Roth accounts, or taxable investments, to maximize your after-tax retirement income.