Insurance Services
An insurance program should be a part of every family's total financial plan. Before you can evaluate various insurance programs, you must first understand the reason for buying insurance and how to determine the amount and kind of insurance you need.
Insurance is the foundation of a good financial strategy for you and your family. It protects your financial resources against the uncertainties of life so you can plan for the future. Insurance should be a part of your overall risk management program.
Choosing an insurance product is an important decision and can be complicated. As with any major purchase, it is important that you understand your needs and the options available to you. At Resource Financial Company, we will assist you with the choices you decide to make for your family's future.
Available services include:
· Life Insurance
· Disability Insurance
· Long-Term Care
· Individual Health Insurance
· Group Life and Health Insurance
· Auto and Home Insurance
Retirement Planning
Retirement plans play a crucial role in providing a source of income in our later years. Planning for retirement is often difficult to do. This is why it is important that you work with a professional to ensure that the choices you make today will meet the needs of you and your family tomorrow. With all of the different options available these days, it is important that you understand how each of them will affect your ability to retire comfortably.
Today is the best day for planning your retirement. We will help increase your understanding of the common retirement plan components.
· Retirement Asset Planning
· Annuities
· Traditional IRA
· Roth IRA
· IRA Rollovers and Transfers
· SIMPLE IRA's
· 401(k) Plans
· 403(b) Plans
· Qualified Plans
· Social Security
· SEP's
Estate Planning
You've worked hard all your life to accumulate the wealth you have today. But have you considered where and how you want your assets to be dispersed after your death? Many people fail to realize, that without proper planning, the government could be your greatest beneficiary at the time of your death. Changes in estate tax laws add to the complexity and often, the confusion, when it comes to dealing with these matters. Planning your estate is a team effort between client, attorney, tax professional and financial professional. As part of this team, we can help you assess your current estate value and illustrate how much will pass to your heirs and how much will pass to the government, and work with you to help you achieve what you wish to accomplish.
Charitable giving and gifting strategies may reduce the impact of taxes and leveraging assets to provide more to those you love when you are unable to help them along. The longer you wait to do something, the larger the problem becomes. An estate planning team can help you with:
· Estate Preservation
· Trusts and Wills
· Estate Cost Analysis
· Charitable Planning
· Gift Planning
· Tax Savings
· Multi-Generational Wealth Transfer
