What We Do For Clients

We specialize in helping Government and Federal Government employees understand their retirement options.

 

RETIREMENT PLANNING

Retirement planning is the process of determining retirement income goals, and the actions and decisions necessary to achieve those goals. Retirement planning includes identifying sources of income, sizing up expenses, implementing a savings program, and managing assets and risk. Future cash flows are estimated to gauge whether the retirement income goal will be achieved.

SECURED INCOME PLANNING

In its most general sense, an annuity is an agreement for one person or organization to pay another a stream or series of payments. Usually the term “annuity” relates to a contract between you and a life insurance company, but a charity or a trust can take the place of the insurance company.

 

INSURANCE PLANNING

Life insurance & Disability Insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more. If you're considering securing you and your family’s financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!

MEDICARE PLANNING

Before choosing a plan we want to be sure you know the difference between your many options; In particular how Medicare Supplement Insurance Plans and Medicare Advantage Plans differ. Many people sign up for Medicare Advantage Plans thinking they are Medicare Supplement Insurance Plans, they are not.

 

FAMILY LEGACY PLANNING

Many of our clients want to leave a legacy for their children and grandchildren and are shocked to learn how easy it is to double, even triple their inheritance – TAX-FREE AND GUARANTEED!

We also work with Revocable Trusts, Healthcare & Financial POA documents, Living Will & Advanced Directives.

ROTH IRA CONVERSIONS

A Roth conversion is the process of moving assets from a traditional IRA, SEP IRA, SIMPLE IRA, or qualified employer-sponsored retirement plan (QRP) to a Roth IRA. The assets can be moved in part or in full.

 

LONG-TERM CARE

Long-term care/extended care costs have gone up substantially in the last 10 years. Unfortunately, the statistics are not in our favor, a plan to address these costs should be included in every retirement strategy.

The good news is we work with hybrid insurance plans that leverage your dollar in case you need it for extended care, but remain 100% accessible for withdrawal if you don’t.

 

Lillian Realph, CRC®

Virtual or In Person Meetings Available

 614-641-0080

  [email protected]