Insuring your future, for future generations

When you are eligible for Medicare, you can choose to keep working and keep your employer-based insurance. However, it's important to note that keeping your employer coverage may not be the best option. Medicare coverage is likely to provide better coverage for a fraction of the cost of your employer plan. Be sure to thoroughly review all available options to determine the best  fit for your specific health coverage needs and financial situation.

Life insurance can provide financial security for your loved ones if something were to happen to you. It can help cover expenses such as funeral costs, outstanding debts, and ongoing living expenses. Having life insurance can also give you peace of mind knowing that your loved ones will be taken care of, even if you're no longer there to provide for them. Additionally, having a life insurance policy can be an essential part of a comprehensive financial plan, particularly if you have dependents or other people who rely on your income. It can be a way to protect the ones you love and leave a legacy behind, giving your loved ones a sense of security during a difficult time. 

Understanding how your Social Security benefits fit into your retirement plan is a key part of the puzzle but Social Security income alone likely wont be enough to cover all your expenses. Pensionizing existing funds can be a good option for someone who wants a guaranteed income stream they cannot outlive, and want to ensure their savings last as long as they do. There are many different types of plans, each with their own benefits and sometimes drawbacks, which can be customized to fit your needs and retirement goals. We can help you determine if this option would be a good fit for your specific retirement planning needs.