It wasn’t that long ago that managing your financial lives meant keeping track of dozens – if not hundreds – of documents like trusts, wills, powers of attorney, insurance policies, investments and more. They were squirreled away in drawers, boxes, grocery bags and who knows where else.

But thankfully, Generational Vault – your virtual safety deposit box – is an easier way to keep track of all those vital documents.

Generational Vault’s engine has three dynamic parts:
• A secure portal for sharing and storing important documents
• Third-party daily investment and banking data
• Snapshots of financial assets and expenses, monthly newsletters, market commentaries and meeting alerts

Generational Vault never sleeps; it’s your 24-7-365 access to your accounts and important documents all in one place!

Reach out to us today to discuss how Generational Vault can help you organize and safeguard the most important documents in your life.

Medicare and retirement health strategy.

While there is no shortage of things to prepare for in retirement, it’s critical to also address your health needs and concerns by crafting a comprehensive health care strategy. There are various ways to accomplish this, with Medicare being the most important for many Americans.

Medicare generally provides health insurance for most people age 65 and older, and others who have received Social Security disability benefits for at least 24 months, have end-stage renal disease or have amyotrophic lateral sclerosis (also known as Lou Gehrig’s disease). Medicare is similar to Social Security, since it is a federal program that you have paid into throughout your career. Just like Social Security, you want to maximize this benefit in retirement.

Medicare is split into four parts:
• Part A: Hospital insurance – covers the costs of health care at medical facilities. Offers coverage for medically necessary inpatient care at hospitals, skilled nursing facilities, hospices and some home health services.
• Part B: Medical insurance – covers the costs of health care outside medical facilities. Offers coverage for doctors’ services, hospital outpatient care, mental health and some preventative health care services.
• Part C: Medicare Advantage (MA) plans – policies you can purchase from certain private insurance carriers that provide the same (or more) coverage as Parts A and B.
• Part D: Prescription drug coverage offered through private Medicare-approved insurance companies.

Many people with Part A do not pay a premium because they have already paid enough into the system. As with Social Security, a certain portion from each one of your paychecks is deducted to pay for Medicare. When you’ve had Medicare tax withheld from you or your spouse’s pay for at least 40 calendar quarters, then you may be eligible for free Part A coverage.

The monthly premium associated with Part B is set according to income level, although most people will pay a standard monthly premium amount and a small yearly deductible. Individuals who have an annual income greater than $88,000 and couples who have a joint annual income greater than $176,000 will have an extra charge added to their premium due to their high income level. Parts C and D are provided via private insurance companies so the monthly premiums of these policies depend on the extent of their coverage and can vary between companies.

We are not affiliated with, or endorsed by, the Social Security Administration or any other government agency.

Source: https://www.medicare.gov/your-medicare-costs

Optimize your assets for retirement.

Many Americans entering retirement come to find that the right strategy can be just as important as the actual dollar amount they have saved. You’ve worked hard for years to save for retirement, and now that time is upon you. Perhaps you’re now wondering if all the pieces are in place for you to enjoy a happy and worry-free retirement. Do you have the proper strategy in place to help ensure you have the retirement you’ve always wanted?

Our organization prides itself on providing retirement strategies to %%CITY, STATE%% and the surrounding communities. We take an extensive look at each client’s unique mix of assets — this includes everything from your bank accounts, pension, and Social Security benefits, to your estate plans, wills, taxes, insurance policies and more. Our services and strategic partnerships allow us to integrate all aspects of our clients’ wealth into a coordinated effort. Our end goal is to create financial clarity for you and your loved ones, and to promote multi-generational wealth.

We offer:
• Insurance planning
• Beneficiary review
• Retirement strategies
• Financial needs analysis
• Analysis of present and future expenses
• Estate preservation
• Income planning

When you work with us, we organize all of your financial, estate and tax preparation materials into a customized binder. Crafting your comprehensive retirement strategy is a coordinated effort on our part, and is done so using an all-inclusive view. Although many financial services professionals focus on specific products, our experience has proven that our clients’ needs are best fulfilled focusing on processes, and most importantly, people.

Making a recommendation on a retirement strategy is not a one-size-fits-all proposal. When you speak with %%COMPANY NAME%%, we provide you a framework that aims to satisfy your retirement income budgeting needs to go along with a risk tolerance that satisfies your growth expectations. A retirement strategy simply isn’t something you do once, but something that may be ever-evolving throughout your retirement, and knowing who to turn to for advice can make a world of difference.

Enjoy smooth sailing in retirement with proper income planning.

Income planning for retirement can be a daunting task for many retirees because there can be a lot to learn, and to many people a lot of the information is new. Whether you are just setting out on your retirement journey, or it is already well underway, you may be skeptical of whether you’ll have enough retirement income to maintain a comfortable and enjoyable lifestyle.

There are three major phases in the management of retirement income:
• The accumulation phase
• The distribution phase
• The preservation or transfer phase

Preparing for your retirement may require a shift in mindset, and a solid understanding of the difference between retirement savings and retirement income. Prior to retirement, your financial life was dictated by your paycheck. Once you retire, however, you can no longer rely on a paycheck, which means you will be left to find other sources of income. You’ve worked hard to save for retirement, and now the time has come to find the proper methods of creating additional income from what you’ve saved. Although this can represent a challenge for many, it also represents a great opportunity to grow your savings beyond what you’ve saved — and this is usually made easier by enlisting the help of a financial services professional that you trust.
We will work with you to help you uncover the various opportunities and concerns of each phase. Additionally, we will walk you through the process of:
• Determining how much retirement income you will need
• Estimating how long your current income plan may last
• Calculating how much additional income you may need
• Evaluating your additional income sources

Because taxes play a major role in any retirement income planning process, our firm will utilize the most tax advantaged vehicles to accomplish your retirement income goals, such as traditional IRAs, Roth IRAs, 401(k)s, and IRA rollovers.
Keep in mind, while the numerous options for your retirement savings may seem overwhelming, all of us at %%COMPANY NAME%% are here to help you make sense of it all.

We do not provide legal or tax advice and you should consult an attorney or tax advisor for such advice.

NEW GENERATION RETIREMENT

It wasn’t so long ago that retirement meant a pension and a gold watch, but today’s world looks much different than it did for past generations. With increased market volatility and historically low interest rates, generating retirement income has become more complex. Additionally, with the loss of pensions and the rising cost of health care, the burden of retirement falls heavier on the shoulders of individual Americans than it ever has before. But you don’t have to carry it alone.

The New Generation Retirement® system is a holistic approach to retirement planning. It consists of five steps that incorporate three hallmarks of our company: fiduciary, transparency and technology. Through this planning process, you’ll be confident that we’ve given careful consideration to asset allocation and risk, income planning, asset maximization, legacy planning and tax strategies.

The Five Steps
1. Selecting a Financial Services Professional
Step One explains my role as a financial services professional and introduces The New Generation Retirement system.
2. Fact and Feeling Finding
Step Two encompasses detailed questions about your financial well-being. This begins with the Color of Money Risk Analysis and incorporates the elements of discovery and client feedback to approach your specific situation.
3. Strategy
Step Three incorporates three hallmarks of our company: fiduciary, transparency and technology.
4. Recommendations and Implementation
Step Four uses technology to determine if there are parts of your strategy that include creating new accounts or purchasing new financial products. We utilize forward-thinking technology such as electronically-generated and pre-populated forms with e-signature capabilities to make this process as easy as possible.
5. Ongoing Relationship
Step Five addresses your long-term success and incorporates adjustments as you deal with potential life changes or desired modifications. Helping you thrive in a new generation of retirement goes beyond any initial recommendation and is based on our ongoing commitment to your retirement goals and objectives. Why choose %%COMPANY NAME%%
The New Generation Retirement System is based on three hallmarks of our company: fiduciary, transparency and technology.
• Fiduciary
Providing you with a fiduciary level of service means we are legally bound to always do the right thing for you and your family by only offering strategies that serve your best interest. Our commitment to you as a fiduciary is also an assurance to act with transparency throughout our relationship.
• Transparency
Our commitment to transparency ensures that each step of our work together is recorded and that every document and report is easily accessible to you. This is visible through a strong foundation of technology.
• Technology
The right technology can make managing and organizing your retirement an easier process. When you partner with our company, you receive access to Generational Vault – a secure online portal that allows you to easily organize, manage and access your financial life. Generational Vault serves as the vehicle to document and record our commitment to act as a fiduciary and be transparent throughout our relationship.

Optimize your assets for retirement.

Many Americans entering retirement come to find that the right strategy can be just as important as the actual dollar amount they have saved. You’ve worked hard for years to save for retirement, and now that time is upon you. Perhaps you’re now wondering if all the pieces are in place for you to enjoy a happy and worry-free retirement. Do you have the proper strategy in place to help ensure you have the retirement you’ve always wanted?

Our organization prides itself on providing retirement strategies to %%CITY, STATE%% and the surrounding communities. We take an extensive look at each client’s unique mix of assets — this includes everything from your bank accounts, pension, and Social Security benefits, to your estate plans, wills, taxes, insurance policies and more. Our services and strategic partnerships allow us to integrate all aspects of our clients’ wealth into a coordinated effort. Our end goal is to create financial clarity for you and your loved ones, and to promote multi-generational wealth.

We offer:
• Insurance planning
• Beneficiary review
• Retirement strategies
• Financial needs analysis
• Analysis of present and future expenses
• Estate preservation
• Income planning

When you work with us, we organize all of your financial, estate and tax preparation materials into a customized binder. Crafting your comprehensive retirement strategy is a coordinated effort on our part, and is done so using an all-inclusive view. Although many financial services professionals focus on specific products, our experience has proven that our clients’ needs are best fulfilled focusing on processes, and most importantly, people.

Making a recommendation on a retirement strategy is not a one-size-fits-all proposal. When you speak with %%COMPANY NAME%%, we provide you a framework that aims to satisfy your retirement income budgeting needs to go along with a risk tolerance that satisfies your growth expectations. A retirement strategy simply isn’t something you do once, but something that may be ever-evolving throughout your retirement, and knowing who to turn to for advice can make a world of difference.

Insurance solutions to help meet a variety of goals.

Some retirees are concerned with the impact a market loss may have on the future of their income and assets. Others are looking for a reliable income stream. Still others actually underestimate the impact of a market loss.

For that reason, we offer a number of insurance solutions that can be used to protect more than just your physical assets. They can also be used to help protect your future. Whether they’re right for you depends on your unique retirement goals. Our firm specializes in helping individuals secure their retirement assets while still achieving growth by offering a variety of insurance products as part of a retirement strategy.
With the right strategy, you can potentially earn money with your money through the use of fixed annuities* and life insurance. Our firm can help you create a dependable and sustainable source of retirement income to be used now, in the future or whenever you need it most.

We offer:
• Fixed and Fixed Indexed Annuities
• Life Insurance
• Long-Term Care
• Health Insurance
• Medicare Supplements

Contact us to explore if one of our insurance solutions could fit within your retirement strategy.

*Annuities are designed to be long-term insurance products. Early withdrawals may impact annuity cash values and death benefits. Taxes are payable upon withdrawal of funds. An additional 10% IRS penalty may apply to withdrawals prior to age 59 ½. Income benefit riders may be offered either built-in or for an additional cost. Annuities are not guaranteed by FDIC or any other governmental agency. Keep in mind that most life insurance policies require health underwriting and, in some cases, financial underwriting. Guarantees are based on the claims paying ability of the issuing insurance company. Fixed Indexed Annuities are insurance products and not considered a security or investment. Some restrictions may apply. We are not endorsed by, or affiliated with, the Social Security Administration or any other government agency. Call for specific details and availability.