Estate Planning - Will & Trust

Everyone possesses an estate, encompassing their home, bank accounts, personal belongings, retirement funds, business interests, and more. Estate planning involves drafting a Will, establishing a Trust, designating beneficiaries and executors, appointing a legal guardian, and more. These preparations help prevent a prolonged probate process for your loved ones. We offer essential tools to protect your assets.

Long-term Care (LTC)

Long-term care (LTC) is increasingly vital due to longer life expectancies, which particularly affects women who typically outlive men. LTC insurance covers expenses associated with severe conditions like Alzheimer's, dementia, or the inability to perform basic Activities of Daily Living (ADLs) such as bathing or dressing. We offer guidance in choosing LTC insurance, whether as a standalone policy or as a rider on certain life insurance plans, to support you or your loved ones effectively.

Optimization of a 401K, IRA, and ROTH IRA

We assist in optimizing your 401k, IRA, Roth IRA, and SEP IRA contributions and strategies.

​​Funding for College

The Indexed Universal Life (IUL) policy proves more advantageous for long-term college savings. The strategy involves allowing the cash value to accumulate over time without withdrawing until funds are required for educational expenses. Unlike 529 plans, IUL offers flexibility without restrictive conditions. Our clients benefit from a range of superior IUL options available in today's market.

Tax Free Retirement Planning

Retirement plans fall into two main categories: firstly, defined-benefit plans, such as pensions, are employer-sponsored and guarantee specific payouts. Secondly, defined contribution plans like 401(k) or 403(b) are tax-deferred, where employees contribute a set portion of their earnings matched by employers, accumulating into a retirement fund. Many retirement plans allow for rollovers between types. We align our clients' needs with an ideal retirement plan that offers maximum benefits.

Life Insurance

We believe that life insurance offers more benefits than commonly recognized. It uniquely has the ability to generate wealth unexpectedly. Annuities, when utilized correctly, can also be a potent financial tool, presenting a contrasting approach to life insurance. Life insurance focuses on protection against premature death, while annuities provide security against outliving your resources. To handle both, clients should seek an agent licensed in life insurance and securities for underwriting annuities. Our specialization includes Indexed Universal Life (IUL), Term insurance, annuities, and more. As licensed professionals, we guarantee tailored solutions to meet our clients' needs effectively.

Healthcare

Medicare provides health insurance primarily for individuals aged 65 and older. You may qualify for Medicare earlier if you have a disability or End-Stage Renal Disease (ESRD). There are two primary ways to enroll in Medicare: Original Medicare (Part A and Part B) or a Medicare Advantage Plan (Part C). Medicare Advantage Plans are approved by Medicare but offered by private companies, providing an alternative to Original Medicare for health and prescription drug coverage. These plans typically bundle Part A, Part B, and often Part D coverage. Out-of-pocket costs can vary significantly among plans for specific services. Companies like AARP, BCBS, AETNA, and others offer Medigap insurance plans to supplement Medicare coverage. Clients have the option to research Medicare options independently or consult with our licensed agents at HealthMarkets. We compare available options to find affordable coverage that best fits your needs. With one of our specialized agents, you receive expert guidance and a wide range of choices tailored to your preferences.

IL Notary Public

We offer notary services to our clients as certified and licensed professionals authorized to authenticate your documents as needed.