ServicesAsset ProtectionWe can help you develop a strategy using life insurance to provide the income your heirs will need to maintain their way of life, as well as ways to maximize and protect your hard-earned retirement saving and your independent lifestyle should you or your spouse need long term care. Survivor Needs PlanningYou and your spouse are partners who depend on each other and have built a life together. So when you’re no longer there and your Social Security checks stop coming, how will it impact your spouse’s lifestyle? As a survivor benefit, when one spouse dies, the surviving spouse receives the larger of the couple’s two Social Security checks. But that still means the loss of one check. The more you know about Social Security, the better able you’ll be to make the most of your benefits. For answers to your Social Security questions, talk with your Signature Financial Partners financial professional. Legacy ProtectionLife can be unpredictable. You would like to know that if your circumstances or those of your family were to change, you and your loved ones will be taken care of. Pension Income AlternativesA comfortable retirement is something to look forward to. It’s something you’ve worked hard for and earned. But there are a lot of decisions to be made, including one that can have an impact on the pension income you’re counting on for you and your spouse. That’s because with a defined benefit plan like the one provided by your employer, you must decide prior to retirement whether to take you full pension benefit and expose your spouse to a loss of benefits at your death, or to take less than your maximum benefit in exchange for providing income for your spouse after your death. Many people go into retirement without ever knowing whether or not they have chosen correctly. But the more information you have, the easier it will be to make the decision that’s right for your family. So first, consider these questions:
For help answering these questions and more information on Pension Income Alternatives please contact your Signature Financial Partners financial professional. Life InsuranceIf you have experienced any of the following life events recently, then it may be time for a life insurance policy review:
Interest rates and the economy are factors that can affect the performance of your life insurance as well. In addition to a tax-free death benefit, many life insurance products provide living benefits including*:
If your personal or business situation is evolving or you would simply like to discuss some of the benefits of life insurance or other financial products, please contact your Signature Financial Partners financial professional. *Some benefits are available through policy riders for an additional fee. Disability Income InsuranceOften overlooked is the need to protect one’s current income stream and future earnings in the event of a disability. We can help you protect future earnings from such an event. Long Term Care InsuranceMany people conjure up an image of a nursing home when they think of long-term care. But long-term care does not always mean institutional care. Instead, it is primarily “custodial” care – personal, hands-on assistance to individuals who need help with the activities of daily living, or ADLs. If you think long-term care is primarily needed by the elderly, you’re correct. But barely. Nearly 41% of long-term care is provided to people under age 65 who need help taking care of themselves after an accident or stroke or as a result of chronic illness or debilitating diseases. Through the use of insurance, your Signature Financial Partners financial professional can help protect your assets from the rising costs of long term care that can affect your financial future and that of your loved ones. |
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