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Pension Maximization During the “Golden Years” most Americans dream of retirement, times of leisure, family, friends and travel. Unfortunately for many Americans the reality of rising health care costs, longer life expectancy, inflation and taxes make this dream difficult to achieve. The result for many can be devastating. A POTENTIAL Read more…

Who needs life insurance? Most people need life insurance in one form or another. If one or more of these scenarios apply to you, you may have a need for life insurance: • You have dependent children • You have a spouse or older family member who depends on your wages Read more…

What is life insurance? As uncomfortable as it is to think about, imagine what standard of living your family would have if you were no longer with them. Could they still pay the mortgage? Pay for education? Buy groceries? Life insurance protects your family against the loss of income when you die. Read more…

What are you doing to financially protect those you love? Chances are you have insurance coverage on your house or your car to help offset losses from unforeseen events. But have you done the same with your life? The purpose of life insurance is to help ensure that those who depend on Read more…

When planning for Estate Transfer, one of the most important factors is where and how your clients’ assets will be transferred and sheltered against taxes and other expenses from settling their estate.  Consider: * Wills * Trusts Wills and trusts are essential parts of any estate plan. They facilitate the Read more…

What are the chances of becoming ill? • Heart disease and stroke are among the leading causes of death for U.S. women & men. Cardiac deaths have increased dramatically among people younger than age 35. • Every 30 seconds a new cancer is diagnosed in the U.S. • Every year, about 795,000 people in the U.S. Read more…