Unlike mutual funds that follow an index, we employ a time-tested, safe approach to managing market risk that indexes returns, protects your principal, and lowers the damaging effects of fees.
Old technology life insurance only pays the family when someone dies. You are 5 times more likely to suffer a major illness like heart attack, stroke, cancer, and many more. We set you up with life insurance that can also pay while you are alive.
There was a time in the United States when having your income dependent on risks like the stock market was unheard of. Pensions were abundant and worked well. We believe in that philosophy, and create income plans that are guaranteed and stress-free.
When possible, we help clients examine any options to create tax-free retirement income. There is a huge risk that tax rates will rise dramatically in the future based on historical tax rates and debt levels of the U.S. government.
Protect and Grow Your Money
1) NEEDS AND GOALS CONVERSATION
We take a simple yet effective approach to assessing your needs and wants - we ask lots of questions and listen. For many of our clients, this is the first time they have had this type of conversation about their finances. It is both empowering and enjoyable.
2) RISK ANALYSIS
Our entire focus is based on ELIMINATING the 7 major risks that routinely destroy nest eggs and retirement plans: MARKET RISK, INFLATION RISK, FEE RISK, TAX RISK, LIQUIDITY RISK, MEDICAL RISK, and INCOME RISK - the most overlooked threat of them all.
3) SOLUTIONS CONVERSATION
This meeting examines the short-term, mid-term, and long-term needs and goals uncovered in the first conversation, then examine tools that solve the 7 major risks and how those uniquely affect you.
After a thoughtful series of meetings and conversations, the solutions that create protections against the 7 major risks are initiated. These can include diversification strategies, medical solutions, debt reduction, income plans, and more.