LIFE AND LEGACY PROTECTION PLANNING (old version)
Taking care of yourself and your family is our main focus. We are all subject to life's events, both triumphant and tragic. Many of these are out of our control, so providing financial protection to those we love from some of the untimely events that may occur is important.
There are various tools that provide financial protection to you and your family. One of these financial instruments is life insurance. Often overlooked due to cost, complexity, confusion and underwriting, life insurance can sometimes be one of the most powerful tools and provide a variety of benefits depending on your specific situation.

LEAVING A LEGACY
Leaving a legacy and the manner in which you do so is an important factor to consider when planning for life's uncertainties. You don't need $1M or a massive estate. To leave a legacy, you simply need to love someone. The loss of a spouse or parent can have lasting emotional and financial impacts. Should this occur, having the appropriate death benefit and a tax efficient way to transfer your wealth is key.

DISABILITY & LONG-TERM CARE
When discussing the issues of long term care and disability insurance, most of us cringe at the thought of having to pay for assisted living or home care. Yet many of us will end up needing these services and by the time this is realized, the cost for these types of policies will have often increased. If, when and how you should pay for long term care or disability insurance are questions we can help you answer.

SUPPLEMENTAL INCOME
Saving money for retirement is imperative, but having a stable source of supplemental retirement income can be just as important. Certain types of life insurance can add a conservative element to your retirement income strategy which may help provide flexibility when faced with market downturns that occur over time. To avoid potential implications, remember that there are many moving parts to this strategy and to consult a professional.