You've worked hard to build your wealth, and you're living out your plan in comfort. However, even the most thorough financial plans might need a little extra support. Our experienced financial professionals can help you better understand what long-term care and life insurance options are best suited to you and your loved ones' needs. We review your current situation and help you take steps to move forward confidently on your financial path.
At this stage of life, you may wonder if you are prepared for your long-term care needs, or if you have the right life insurance plan to support your loved ones. You probably have questions. We're here to answer them.
Like many parents, you may be wondering how much to save for your children’s education. It’s challenging to know how much is enough, and where is the optimal place to keep those funds as they grow. We can help you devise a plan to prepare for the financial obligations of college for your children.
We will help you analyze your retirement resources and progress. We may recommend portfolio changes, depending on your proximity to retirement. We will help you determine your need for investment income in retirement to supplement your other retirement income sources, such as defined benefit plans you may have through an employer.
You have worked hard to accumulate assets, and you want to ensure that your intended heirs get their designated portion. We will advise you on tax planning and other measures you can take to help maximize the assets you leave to your beneficiaries.
Life insurance can be a key component of your financial strategy. As you move from actively working to your retirement, your needs may change. We will conduct a comprehensive review of any current policies you own and evaluate your need for additional or alternate insurance products.
For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.
The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.
Our approach is personal. We strive to develop strong alliances with our clients so we can better support your goals and objectives.
Our team of experienced financial professionals is dedicated to supporting your financial journey at every stage of life.
Contact our team to schedule an introductory meeting to determine whether our approach aligns with your preferences.