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How We Work

Our firm is experienced in helping individuals develop sound retirement strategies. If you are retired – or approaching retirement – please take the time to explore our website and the wealth of information we offer. We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.

We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being.

1. Insurance Protection

The most important part of preparing for the future is protecting it. As a Financial professional, I can help you prepare for uncertainty. Whether you outlive your retirement, pass away unexpectedly or become disabled, there are products that can help protect the life you’ve built for you and your loved ones.

2. Retirement Income Strategies

The key to a successful retirement is one that doesn’t require you to compromise your lifestyle or wonder if and when your nest egg will run out. As a Financial professional, I can provide a variety of options to help you prepare for your leisure years confidently without having to sacrifice your quality of life.

3. Business Strategies

Small business owners need financial and insurance options for themselves and their employees, and they need to ensure the future security of their businesses. I can help structure strategies for employees and owners to help ensure if- or when- something happens, those who own and run the business are protected.

Customized Retirement Strategies
Let us assist your business in tailoring a retirement plan that best fits your needs. Regardless of the size of your business, we have an appropriate solution including:

  • Defined Contribution (401(k)) Plans
  • Defined Benefit (Pension) / Cash Balance Plans
  • Multiple Employer Plans
  • Solo 401(k), SIMPLE, SEP, and Keough Plans

WHAT ARE VOLUNTARY BENEFITS?
Voluntary benefits are supplemental insurance policies that offer financial benefits to employees and their families in case of death, a serious health event, an accident or other covered circumstances that can throw saving and retirement plans off-track. Offered through employers, unions or approved trade associations, they’re typically paid through payroll deduction.

4. Retirement Strategies

The key to a successful retirement is one that doesn’t require you to compromise your lifestyle or wonder if and when your nest egg will run out. As a Financial Professional, I can provide a variety of options to help you prepare for your leisure years confidently without having to sacrifice your quality of life.

5. College Funding

No parent wants to compromise the quality of their children’s education, yet tuition costs continue to rise. Whether you’re preparing to send your first - or fifth - child to college, I am here to share useful tactics on how to effectively support your children’s future while still saving for yours.

6. Annuities

Annuities are utilized as a tax-advantaged way to create a more predictable income in retirement and to transfer wealth to loved ones. When you purchase a variable annuity with a one-time payment or a series of payments, you enter a contract with an insurance company in which it promises to make a lump sum or series of payments to you either immediately or in the future.

WHAT DO YOU WANT YOUR RETIREMENT ASSETS TO DO?

  • Provide lifetime income
  • Manage tax liability
  • Leave more for my family
  • Gain interest based on market changes

Annuities are long-term investments designed to help your retirement in two vital phases: accumulation and distribution. It's important to discuss with your financial professional if this is an appropriate option for you. For some, it can work great. For others, it's not the best fit. That's why we encourage you to understand how they work and what your options are.

What's a variable annuity? ... A variable annuity is a contract between the owner and an insurance company that combines the flexibility and growth potential of professionally managed investment options with tax deferral and insurance company guarantees. This unique combination can be a valuable component of your long-term retirement plan. They generally offer access to a wide range of professionally managed investment options, including money market, bond, and stock options, as well as diversified investment options managed to meet specific objectives. The variety of available choices allows you to develop an investment strategy tailored to your unique needs. Investment options are subject to market fluctuation, investment risk, and possible loss of principal.

What's a fixed index annuity? ... A fixed index annuity (known for its tax-deferred benefits) is a contract between you and an insurance company that provides a guaranteed minimum interest rate, tax-deferred growth, and guaranteed payments through annuitization in retirement. This unique combination of benefits can make fixed index annuities an ideal low-risk component of your long-term retirement plan. Fixed index annuities are a type of fixed annuity that earns interest, in part, based on changes in a market index, which measures how the market or part of the market performs. All guarantees are based on the claims-paying ability of the issuing insurance company. The potential for interest credited to the policy is affected by changes in the index over the crediting period and isn’t affected by the index directly. Even though changes in the index affect the index interest credited to the annuity policy, a fixed index annuity is not an investment in the stock market and does not participate in equities, commodities, fixed income, or currencies

7. Estate Preservation

  Important decisions relating to how your assets are distributed, who will serve as guardian for your minor children and who might make health care decisions in the event that you cannot could be decided by a judge without an estate plan. Estate Preservation is a key component of one’s overall financial strategy.

ARE YOU PREPARED FOR THE INEVITABLE?

chirag.patel@tfaconnect.com |  678-848-1183