This has been my slogan since I started my hybrid retirement in 2014 after my son graduated from ASU. The reason I use this is because my experience is; traditional planning for retirement is leaving more people exposed to retirement risks than ever before and I want to help as many as I can avoid those problems.
My experiences as a stock broker (excuse me a Financial Consultant) at Merrill Lynch taught me many lessons. As a Sales Manager at New York Life I learned the importance of having some guaranteed money for rainy days.
Most importantly 23 years spent calling on other financial advisors and advisor teams taught me how different these two financial groups are. They act like they get along but they don't.
Simply, I like meeting new people and having meaningful conversions about their retirement income plans and legacy goals.
Get started, give me a call and let's talk...
It's harder and harder to find a Life Insurance specialist. When was the last time you've saw the Hartford Bull on TV? Try to find a New York Life Agent or NML person, that doesn't say "I'm an IAR with Soaring Eagle Wealth Strategies" or I'm with Super optimized money makers club...LLC First.
Then its the DIY temptation. You shouldn't shop life insurance as a Do it yourself project either. Insurance Companies and Products are regulated, meaning your rate is your rate whether or not you went through an agent or the world wide web.
There are too many benefits you could miss for a couple of extra dollars a month that could mean so much to you or your family down the road.
Most of the visitors to my website came here after receiving congrats on your new home card from me. And yes, TERM INSURANCE is the best tool for protecting your mortgage. However, life insurance is not a good DIY item. Insurance is a regulated product. It costs the same if you go online or buy from an agent. What doesn't show up on the screen are the hidden benefits, like a Chronic illness rider or better conversion features.
Of the Life Insurance policies
I have reviewed over the past 34 years. Almost all have under-performed their original illustrations. Leaving you at risk of a policy lapse or being asked to make additional premiums.
Often the crediting rate was over-promised and/or the expenses were understated.
It is a systemic problem in our industry. Let me review yours before it is too late.
Q: "Why would I need life insurance after I retire?"
A: The assurance of being self insured is unmatched!
There are Tax problems that the tax-free access to your cash value can help with.
It replaces the loss of Social Security Income for the survivor.
The Tax-free access to cash values can reduce or eliminate the risks associated with Bear Market Swings
You could turn on a guaranteed life-time income option that could minimize or eliminate longevity risk.
The new Living Benefit riders reduce the need to buy Long-term care insurance.
These are just some basic asset protection ideas to start with.
If you would like to read about more, like how to shelter money from Market risk, tax torpedos and health care costs. Call me or send an email, my info is everywhere on these pages.