What we do

What we do

What we do is a big question with a big answer. Our focus has always been retirement planning, but mostly on the senior market. Today we service clients of all ages looking for life insurance, retirement plans, and health insurance products. We visualize our process as a simple four-piece puzzle with each representing one aspect of your finances for a successful retirement plan.

The first piece

The first piece would be your health insurance, this could include the ACA, short term medical, and of course Medicare insurance eventually. A major hospital stay with surgery could easily be a six-digit bill and a huge hit on your savings. Under the health insurance umbrella, we include a comprehensive vision and dental insurance portfolio that cover most all available networks, cancer insurance plans that help in all the non-medical expenses associated with cancer treatment that health plans do not help with and disability plans that provide for a lost income in the event of an extended illness or injury.  

The second piece

The second piece would be securing a lifetime income. Social Security was never meant to be a standalone retirement income but a supplement to a pension or savings. Sadly, many businesses just don’t offer pensions pensions plan benefits outside of an employee contribution 401K type plan. Our plans insulate your savings from market downturns while allowing you to enjoy better gains than if you kept your money in a local bank type of plan. They also enjoy tax deferred growth, are not subject to probate at death, and can provide for a lifetime income you cannot outlive ounce you do trigger the income benefit.

The third piece

The third piece of the plan includes planning for short term care and long-term care. Hospitals these days just don’t have the space for extended recovery in the hospital setting and recovering from sickness or injuries in a nursing home is becoming more common for folks of all ages. Studies have shown that people that recover at home are often happier and recover faster surrounded by family and just being at home in their own bed, short term plans really make this an affordable option we like to show most everyone.

The forth piece

Finally, the fourth piece is life insurance. Of course, the best option is to have the savings set aside for your final expenses, but this just isn’t an option for people as they age in times were inflation leaves little extra funds for savings. We represent some of the most affordable final expense life insurance plans on the market, a few with no health questions providing an option to most anyone wanting life insurance. We also carry competitive term life insurance plans to cover temporary needs and universal life insurance plans for more permanent options as well.