Service Description

Risk Management Strategies Preserving your wealth is just as important as growing it. That’s why we offer a full suite of risk management strategies designed to safeguard your income, assets, and legacy. Our approach helps clients prepare for the unexpected while maintaining confidence, knowing their financial future is professionally managed. Income Protection & Annuities Annuities provide a reliable stream of income that can help support your retirement and reduce the uncertainty of market fluctuations. We offer a wide range of annuity options, including fixed rate annuities, variable annuities that provide market-linked growth potential, and fixed index annuities that balance growth opportunities with downside protection. For those seeking predictable, long-term fixed rates, multi-year guaranteed annuities (MYGAs) lock in fixed rates for a set period, while registered index-linked annuities (RILAs) offer a unique way to participate in market growth with built-in downside protection features. Life Insurance Life insurance is a cornerstone of financial planning, ensuring your loved ones are provided for and your legacy is preserved. We guide clients through a variety of solutions, including term life insurance for affordable coverage over a set period, whole life insurance that builds cash value over time, and universal life insurance with flexible premiums and death benefits. For those who want investment opportunities within their coverage, variable universal life and indexed universal life insurance offer growth potential. Long-Term Care Planning Healthcare needs later in life can present one of the greatest risks to wealth. To address this, we offer tailored long-term care strategies. Traditional LTC insurance helps cover the costs of extended care, whether at home or in a facility. For clients seeking more flexibility, hybrid LTC insurance combines long-term care coverage with a life insurance benefit, providing protection even if long-term care is never needed. Disclosures: Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.​