Financial Services
Strategies and solutions for your needs.
Our List of Services
Your retirement and health should be like your signature: uniquely you. Using our full list of service options and our custom process, we can help guide you every step of the way.
Retirement Planning
Worried that your financial plan is missing something? We’re here to help you feel confident in your financial future. We offer the following services, customized to you and your retirement:
- Retirement Income Strategies
- Wealth Accumulation Strategies
- Asset Protection Strategies
- Annuities
- Tax-Efficient Strategies
- IRA and 401(k) Rollovers
The D.E.A.R. Retirement Process
Our process was created to help you completely design and enjoy your financial future. The next chapter you write should be the most rewarding!
D
iscover — This first step is all about hearing your story and understanding what you need.
E
valuate — We assess your current financial situation, using the details to build a plan.
A
ctivate — Upon your approval, it’s time to put your plan into motion and implement.
R
eview — As life changes, so will your retirement needs. We’ll check in and adjust when needed.
Medicare Coverage Options
We use easy-to-understand language to help clients better understand their choices. Additionally, we’ll help guide you through the selection of a Medicare Supplement plan that makes sense.
Life Insurance
Life insurance can help protect you and your family in many ways. It can be for your retirement needs while still living, for the ones you love and for charities after you pass. We focus on:
- Term insurance generally provides coverage for a specified period and pays out a specified amount of coverage to your beneficiaries only if you die within that time period. In a level premium term policy, you pay the same amount of premium from the first day of the policy until the term ends. It can be from 1 year to 40 years.
- Permanent Insurance lets you plan for lifelong coverage such as Universal Life and Whole Life. A permanent insurance policy will stay permanently in effect for the rest of your life as long as premiums continue to be paid.
We can help you explore your plan options and calculate quotes without any obligation to apply.
Personal Health Coverage Options
Choosing your health care coverage (and costs) does not need to be an intimidating experience. We can help guide you through an easy process of selecting a plan that makes sense for you. We are an independent agency that believes in education first, so don’t hesitate to call with any questions you have.
ACA Health Care Plans — Finding the right premium, the right plan and getting enrolled.
Alternative Health Care Sharing Plans — HCSM, or Health Care Sharing Ministry. It is not an insurance company but a group that facilitates the sharing of medical expenses among members.
15-Minute Review — Contact us and we can always see what options you qualify for.
Longterm Care Options
Whether you are new to long-term care or purchased a plan years ago, we’re here to help you navigate the options that best suit your needs. As an independent agency, we work with multiple insurance carriers to explore customized solutions.
- Traditional Long-Term Care
- Hybrid Long-Term Care
- Life Insurance or Asset Based
We can help you navigate the Insurance and Medicare maze.
At Dear Retirement, our mission is to empower you with the knowledge and tools necessary to make informed decisions about your health care coverage.
With our expert guidance and comprehensive resources, transitioning into Medicare will be a smooth and hassle-free experience. We also help those under 65 with their insurance needs. We believe that understanding your options is key to unlocking the full potential of this invaluable program.
Insurance and annuity product guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Neither the firm nor its agents or representatives may give tax, legal or investment advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions.