Insurance & Annuities

Independent. Strategic. Tailored to You.

As an independent insurance broker, I can shop dozens of insurance carriers to find rates and product solutions to fit your specific needs and goals, meaning we are not relegated to simply one line of products or one brand name. In addition, we offer complimentary analysis of your existing life insurance contracts.

Life insurance is more than a vehicle to replace lost income or pay off debt after the passing of a loved one, it can also be a valuable tool to accomplish different financial goals in retirement.

Some life insurance benefits may include:

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Death benefits

  • Policy death benefits may be tax free

  • Some life insurance policies allow the death benefit to accelerate before the insured’s death due to terminal or chronic illness, and that benefit may be income tax free

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Tax-free exchanges

  • The insured may exchange their existing life insurance policy for a new policy and the gains on the original contract may be tax free

  • The insured may exchange their existing life insurance policy for an annuity and the gains on the original contract may be tax free

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Policy cash values

  • Cash values may grow tax-deferred during the insured’s lifetime

  • Income from cash value, when properly structured, may not be subject to income taxes

Protect your retirement

As retirement draws closer, there’s plenty of excitement. After all, you’re about to have the time you’ve always needed to do the things you’ve always wanted. 

Do you have an appropriate strategy? Can your finances hold up to a retirement that might last for more than two decades?

One place to start is making sure your finances are prepared for some potential obstacles:

  • Insufficient income

  • Taxes

  • Market downturns

  • Rising inflation

  • Medicare

  • Long-term care

  • The loss of a spouse

  • Life expectancy

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Fixed Indexed Annuities

A fixed indexed annuity is a tax deferred savings option that provides growth opportunities that are typically higher than a CD or savings account that also provides protection from uncertainty in the stock market.  Annuities may be an option to help meet your needs for retirement income. It’s important to understand the features, benefits and drawbacks of annuities to help determine if they fit your strategy.  

Do you have a 401K plan from a former employer or IRA(s) that you would like to roll over? A fixed index annuity may be a great option to help grow your retirement nest egg and provide guaranteed income for the duration of your life.  Call our office today to schedule your complementary 30-minute consultation on financial solutions available to meet the growing needs of your family now and in the future.

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Book a consultation today

Take the next step toward financial peace of mind. Get expert insight on budgeting, savings, retirement strategies, and life insurance all designed to help you build security, protect your family, and reach financial independence.