About Us
Discussing the Elimination of Unnecessary Risks
Modern portfolio theory advocates for a diversified investment approach, emphasizing a mix of assets across varying levels of risk. This strategy typically includes high-risk investments, medium-risk options, and low-risk securities, often in the form of bonds. However, while bonds traditionally offer stability, they tend to grow slowly and are subject to taxation, at least at the state level.
This is where I offer a compelling alternative. A high-quality whole life insurance policy can effectively replace bonds in your portfolio. Unlike speculative investments, my approach avoids the volatility of the market. I focus solely on securing a guaranteed return for you, steering clear of the market's unpredictable ups and downs. My objective is not to gamble with your money but to ensure its steady growth.
Protect Your Income: Disabiltiy Insurance
The primary driving force behind our lifestyle is often our income, which funds both our needs and desires, including those for the present and future. Yet, surprisingly, most Americans are better prepared for death than for disability. Statistically, the likelihood of dying on any given day is about 1 in 100, while the chances of experiencing a disability lasting five years or more are significantly higher. Considering this, disability insurance becomes an essential topic to discuss with a reputable agent or broker.
Guarenteed Life Time Income: Fixed Indexed Annuities
The verdict is clear: most Americans are living longer, with the average lifespan now extending to 85 years. Moreover, there's a 25% chance of reaching into your 90s. This presents a significant challenge known as longevity risk. Longevity risk amplifies other financial risks by extending the period during which your body may deteriorate, potentially leading to increased medical expenses and hospital costs. Additionally, it means spending more years consuming resources during a phase of life when you're no longer earning income. The solution? Securing guaranteed lifetime income and investing in a long-term care policy. Let's discuss this crucial topic.