Safe Money Strategies

Wealth Transfer Strategies

Transferring wealth to the next generation or generations has always been a challenge. Because of changing inheritance tax laws as well as poor planning, even the wealthiest families sometimes do a poor job in creating and implementing an efficient plan or strategy. Properly owned life insurance has always played a integral role in transferring wealth because of its unique leverage and tax benefits. We use the latest strategies and most current policies from a number of top carriers that specialize in this area. These insurance vehicles can help create the necessary liquidity to help transfer an estate, business interest, or to preserve precious family assets from a forced sale due to estate and inheritance taxes.

Charitable Giving Strategies

One of the most effective ways to reduce inheritance taxes is to give assets to a qualified charity during life or after death. This reduces the taxable  estate dollar for dollar in the exact amount of the gift. Once again properly owned life insurance can be an effective way of replacing donated assets to the heirs that they otherwise would no receive because of this gifting strategy!

Lifetime Retirement Income

One sure fire way to build retirement security is to make sure all fixed or necessary expenses in retirement are covered by lifetime guaranteed income sources. These sources are made up of Social security, pension and or a retirement income annuity. If Social security and pension are not enough, a portion of the clients investment assets should possibly be positioned in an annuity contract to supplement the other income sources. In that way, all necessary or fixed expenses will be covered for life giving the client peace of mind knowing that they are have a secure base of income that will last as long as they do!

Income Replacement Protection

What would happen if you were sick or injured and couldn’t work? Where would you get the income to cover all your living expenses and savings necessary to be secure? Disability insurance is a possible solution to this serious problem. Either for you or your business, these plans can be the difference between remaining solvent and secure in an emergency, and going in bankruptcy or foreclosure! We can help you find the best solutions available in the market for this important financial concern

Long Term Care

The proper long term care strategy in retirement can mean the difference between retirement security and retirement disaster. We can show you a number of unique ways to deal with this issue that not only effect your pocketbook, but also your quality of life as you get older and need care! A good solid retirement plan always includes a viable and affordable long term care strategy!