This client is interested in learning how to prepare for retirement or how to make their retirement better.
Retirement is the transition from the accumulation (saving) stage of your financial life to the distribution (income) stage. This can be stressful and we help you understand how decisions you make affect how much and where your income can come from to help you make retirement as carefree and enjoyable as possible.
We all must pay taxes, but there are strategies to help ensure the amount of taxes you pay is the amount you should pay and not a penny more. We understand how taxes in retirement affect things like your social security and medicare. We help you come out ahead with some planning.
For most people, investing as you prepare for and enter into retirement looks different than it did in your accumulation (saving) years. Proper allocation that matches your risk tolerance and understanding what it takes to help meet your goals is all part of our process.
We must protect against the unexpected no matter how much we would like not to. Not many people love insurance, but we understand insurance. We help you know you aren't paying for more than you need, but at the same time are properly covered in areas like Health/Medicare, Home, Auto, Life, and Long Term Care.
When we eventually pass on from this life we know we don't take what we have accumulated with us. There will be someone after us that will be left with the fruits of our labors. We want to help make sure that transition is how we want it to look and is as efficient as possible.
This client is getting started in their financial life or ready to get a new perspective on how to handle their finances while properly structuring their “financial home”.
Saving and letting your money work for you is a great way to help you reach your goals. Doing that properly and with the right risk/reward mix is where we come in.
There are decisions that should be looked at year to year as you save your hard earned money. Helping you make those decisions is something we really enjoy doing. We believe highly in tax diversification, and you would rather get started earlier rather than later.
To exist in this world we generally must make an income. How we spend that income determines if we meet our goals or not. Our Iccountable Cashflow planning is a unique way of visualizing and positioning the way you spend your money to help ensure your bills are paid and you are saving for things that matter to you.
We must protect against the unexpected no matter how much we would like not to. Not many people love insurance, but we understand insurance. We help you know you aren't paying for more than you need, but at the same time are properly covered in areas like Health/Medicare, Home, Auto, Life, and Long Term Care.
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Investment Advisory Services offered through CreativeOne Wealth, LLC, A Registered Investment Adviser. The Lighthouse Planning Company, The Lighthouse Insurance Company, The Lighthouse Realty Company, and Lighthouse Planning Partners are not affiliated with CreativeOne Wealth, LLC.
Provided content is for overview and informational purposes only and is not intended and should not be relied upon as individualized tax, legal, fiduciary, or investment advice.
By contacting us, downloading booklets, or attending events, you may be offered a meeting to discuss how our insurance and other services can meet your retirement needs.
We are a financial services firm helping clients create financial and retirement strategies through the use of insurance and investment products and services. We are not affiliated with any government agency, and do not provide tax or legal advice. Individuals are encouraged to consult with a qualified professional before making any decisions about their personal situation.
Investing involves risk, including possible loss of principal. No investment strategy can ensure a profit or guarantee against losses. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. Product and feature availability may vary by state.
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