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  Life insurance is a legally binding contract between you (the insurance policy holder) and an insurance company (the insurer). Upon death of the policy holder, the insurer agrees to pay a sum of money to the person(s) named as designated beneficiary. These funds are often used to cover funeral and burial expenses as well as to help support surviving family members and loved ones.

An annuity is another type of legally binding contract between you and an insurance company. You purchase an annuity by making either a single payment or a series of payments. In return, the insurance company agrees to pay you (the policy holder) immediately or in the future, depending on the terms agreed upon in the insurance contract. There are options to have your payout come in one lump sum payment or via a series of scheduled payments over time. Annuities are a good resource to help you manage your income in retirement.

A living trust is a legal document established by you (the grantor) as a means to protect your assets and guide their distribution upon your death. The legal document includes the terms of the trust and lays out the grantor's assets that are assigned to it. Upon the establishment of a living trust, the grantor names a trustee (an individual or entity) who will be responsible for managing the trust in the best interest of the trust's beneficiaries. A living trust is a great alternative to a will because it does not have to go through probate upon the grantor's demise.  This saves the trust's beneficiaries both time and legal fees associated with probate.

Retirement plans are financial vehicles used to help an individual save for retirement. 401Ks and IRAs are both examples of retirement plans. When choosing a retirement plan, it's important you understand how it coincides with your short term and long term goals as well as the tax ramifications. Schedule a consultation today so we can discuss your retirement needs and determine the best plan for you!

Health insurance is one of the most widely known and used products under the insurance umbrella. It is used to help offset the cost of medical expenses and to keep your finances protected from unforeseen medical occurrences. Contact us to receive quotes and determine which health insurance plans are most suitable for your needs and budget!