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• What type of life insurance do I need? 
• Will I outlive my savings?
• Will I be able to retire worry free and live the lifestyle i wanted?How much income will i need to plan ahead?
• te their retirement savings?

 A Term policy is a contract between an insurance company and a policyholder in which the policyholder pays regular premiums for the specific term, in exchange, the insurer pays a death benefit when the insured dies. The amount of life insurance you purchase may need to be enough to replace your income in your absence.

h term offerings comes with an option to convert to permanent life insurance before their term expires. 

Permanent life insurance refers to coverage that never expires, unlike term life insurance, and combines a death benefit with a savings component and also offers a favourable tax treatment.

 The growth of the cash value is generally on a tax-deferred basis, Premium money can also be taken out of the policy without being subject to taxes through policy loans.

 Rolling over a workplace retirement account into an IRA can be a savvy financial move. Get to know your options when you leave the job or change the job. 

 Annuities are insurance contracts that provide a fixed income stream for a person's lifetime or a specified period. An annuity can be purchased with a lump sum or a series of payments and begin paying out almost immediately or at some point in the future. Annuities are often used as a way to fund retirement and generated guaranteed income for the life. 

 Millions of Americans will retire without knowing whether they will have enough money to cover their expenses. But you can by planning ahead. 

Make an Estate plan is part of your defensive financial plan. Planning can give you greater control, privacy, and security of your legacy. One goal is to ensure beneficiaries receive assets in a way that minimizes estate tax, gift tax, income tax and other taxes and may avoid Probate.  Special Needs packages are also available through our partners.