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Your plan for healthcare in retirement should be a tailored one. How ready are you? Find out with our free, customized report
We help identify the risks that can derail even the best financial plan and ensure that you and your family are insulated from those risks.
Guarantee Your Income
You’ve made investments your whole life. Work with us to help make the most of them.
We are the financial tailors that are here to help you create a plan that focuses on various healthcare exposures you face while working and in retirement. Our data driven approach helps us craft the right combination of products and services for you and your family by focusing on your goals in all stages of life.
What’s important to you in life?
As the creators of the Tailored Individual Pension Plan (TIPP), we understand that every plan should reflect your needs. While we believe all successful plans are built with a combination of guaranteed income, tax-free healthcare dollars, long-term care and changing life events in mind, we also recognize that no two families are alike.
We strive to deliver our clients unique, custom-tailored solutions that fit their needs and their families’. Unlike a suit that may not fit over time, our solutions will grow with you. The right type of planning is not an event, but rather a continuing process that can adapt as your needs and goals change.
Learn more about the areas we can help you achieve your vision.
Most of us spent a career earning a paycheck from our employer or from building a business. Even though the job was not always guaranteed, we counted on our paychecks to support us and our family. While a lot of our grandparents retired with guaranteed income through a pension, most retirees today do not have that option available in their 401(k) or 403(b). It is now the responsibility of the retirees to manage their own investments to ensure they do not outlive their retirement assets. We assist our clients in creating different guaranteed income sources so our clients can sleep well at night knowing that whether they live to 75 or 105, the income will continue to flow.
Covid has taught us many things about how all our lives can be changed in a single minute, hour, day, month or year. Protecting yourself and your family against unforeseen events is the foundation of our Bespoke planning process. Your income, your assets, your life, your business, your ability to work, and more need to be addressed in creating a proper retirement plan. As the great speaker Trent Shelton has said many times, and we paraphrase, “Do you want to pass the baton to your spouse and children with a lead or leave them behind in life?” Our plans make sure that if something tragic should happen to you or your family, the baton will be passed with a lead!
As the saying goes, nothing is certain but death and taxes. You might want to add another component to that, Healthcare. While many people have the belief that Medicare is free, for most people, the costs can be the same or more than what they were paying while working. In fact, for those retirees who have saved and have higher incomes, their costs can be significantly higher because of the means testing of Medicare Part B and D premiums and the lack of tax deductibility. We design a custom plan that forecasts healthcare costs in retirement and focuses on tax-free income to offset these costs.
Fifty years ago, few people worried about what would happen if they had to take care of an aging parent or grandparent. Fast forward to today, where many people no longer reside near or even in the same state as their parents and grandparents. It is understandable, then, the current issues that affect society when it comes to taking care of loved ones who can no longer care for themselves. Cognitive impairments are expected to double or even triple over the next 30 years, and most financial plans are not set-up to offset the tremendous financial impact of a cognitive impairment. That’s why it’s important to include Long Term Care in your retirement planning. We focus on designing a plan while you are still working that can leverage some of the tax incentives to purchasing Long Term Care. Further, our plans include options that can pass on death benefits to heirs should the coverage never be needed.
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