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Retirees
Investment Advisory Services | 401(k) Rollover | Annuities | Legacy Planning
Health Insurance & Medicare | Long-Term Care Insurance |
Identity Theft Plans | Dental Plans | Life Events Legal Plan
Investment Advisory Services
Now that you are retired, managing risk and longevity of your investments is key. We help you to manage your funds for a successful retirement.
401(k) Rollover
You don't have to leave your money where you had it before you retired. By rolling over your old 401(k), you can manage your retirement savings more efficiently, with investment options that fit you. As an added bonus, you may pay less in account fees.
Annuities
By leveraging the insurance power of an Annuity, you can take advantage of several features that help protect your money against poor market performance and your longevity.
Legacy Planning
Many people have desires to leave money to loved ones and charities after they pass away. We work with you now to maximize this giving to help increase the amount of money left and help minimize taxes both today and in the future.
Health Insurance & Medicare
For those who retire before they are eligible for Medicare, we help you navigate the open market health insurance plans as well as the plans on the health insurance exchange to find what fits your needs and your budget.
Since the 2003 changes to Medicare, we have helped many people on Medicare find the Medicare Health & Drug Plans they need. We educate you on the differences of Medicare Supplement, Medicare Advantage, and Stand-Alone Prescription Drug Plans.
Long-Term Care Insurance
As you age, the likelihood of needing some form of long-term care increases, whether it is in your home, an assisted living facility, or in a nursing home. Long-Term Care Insurance can perform three very necessary functions: 1) Coordinate the care you will be receiving by helping your family understand the options for your care, what their responsibilities are, and identify the facility that will best meet your health needs; 2) The plan, depending on the level of coverage you choose, will pay all or much of the expense associated with long-term care; and 3) If you purchase a New York State Partnership for Long-Term Care, you can protect your assets from being liquidated for payment of nursing home costs. We offer a wide range of Long-Term Care solutions to meet your budget concerns. We will sit down and educate you on Long-Term Care options. The earlier you purchase coverage, the lower the cost. Remember, you must purchase coverage before your health precludes you from purchasing.
Identity Theft Plans
Identity theft affects millions of Americans each year. We offer two high quality identity theft plans to help protect and restore your identity. The most challenging part of being a victim of identity theft is restoring your identity. Our plans include Comprehensive Identity Restoration from professional fraud investigators. So in the unfortunate event something does happen to your identity, you’ll have professional help in getting your identity restored to what it was before the fraud occurred.
Dental Plans
For seniors, we offer two different types of dental plans. The first is senior dental insurance, where the plan pays a portion of the cost of your visit to the dentist. An alternative is a discount dental plan. Discount plans offer a significant savings over a provider's usual charges, but does not contribute to the cost of the visit. These plans are therefore, much lower in price and are thus a favorite for those looking to save money on dentists without paying a high monthly insurance bill.
Life Events Legal Plans
We find many of our clients are without a Last Will & Testament. All individuals, whether leaving a large estate or just a few possessions should have a Will prepared. Our Life Events Legal Plans help our clients complete their Will for a low monthly fee along with giving them access to attorneys whenever the need arises, such as a billing or product dispute or reviewing a contract for services. Seniors are routinely taken advantage of, and our Life Events Legal Plan, puts power back in your hands.
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