Financial Services

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Today, more than ever before, we all need to diversify our investment portfolios and look for safe haven strategies that produce a steady income stream you cannot outlive. "Why would I ever put money into a fixed vehicle like an index annuity?" Because it will guarantee an income stream you cannot outlive. You will not be subject to market risk or loss of principal - no matter what happens to the market, the economy, the world or the price of oil.

Most importantly, you will be guaranteed an income stream when you need it most: at retirement!!

To develop a financial plan for your future, itís important for your financial professional to see a complete, 360 degree view of your financial picture, including how your retirement assets are integrated and work with one another. If necessary, we can refer you to tax professionals or attorneys in our network to advise you on specific aspects of your financial plan. All guarantees are based upon the financial strength and clamis - paying ability of the underlying.

At Stuart Estate Planning we offer or can refer you to professionals providing the following services:

Services We Offer

*Associates of Stuart Estate Planning do not provide tax or legal advice. These matters are discussed in conjunction with your qualified tax adviser and/or attorney.

Wealth Accumulation

Time doesnít stand still, and neither does money. Thatís why you can use time to your advantage when investing for wealth accumulation.

The longer you invest, the more time your money has to compound interest. If your portfolio has not fully recovered from losses in recent years, you may wish to consider a more aggressive allocation to make up for lost ground and get back on track to accumulating wealth.

However, given recent lessons learned in stock market investing, it is important to remember that more conservative retirement plans typically have only a portion of the assets invested in the stock market. Other allocations should be set aside for more conservative investments and/or secured income contracts. After all, the last thing you want to do is lose wealth during the next market correction.

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Retirement Planning

Retirement income plans are not just for the wealthy. As you near retirement, the traditional strategy has been to move growth-seeking products to more conservative fixed-income products. This may have worked fine back when retirement was only expected to last five to ten years.

These days, however, people are living longer. Itís not unusual for someone retiring at age 65 to live to age 90 or longer. You should consider that you may need to plan for your nest egg to potentially last 25 to 30 years.

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Trusts*

There are many different types of trusts, and they can be complex to set up and execute. However, a trust can be a very flexible and advantageous means to transfer your assets in the future. Most trusts also provide current benefits, such as tax deferral and deductions. Unlike a will, a trust will avoid probate upon your death. To learn more about trusts and how they may benefit you, please consult a qualified estate planning attorney that specializes in these matters.

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Probate*

Probate is the potentially lengthy and costly legal process that oversees the transfer of your assets upon your death. If you do not create a will or set up a trust to transfer your property when you die, state law will determine what happens to your estate. This is called probate or "intestate." Without a will or some other form of legal estate planning, there is the chance that some or all of your property may go to the state instead of to your family.

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Charitable Giving

Creating a charitable gift giving plan may provide you with multiple tax breaks: an income tax deduction, the avoidance of capital gains on highly appreciated assets, and no estate taxes on the charitable contribution upon your death.

With the increasing tax environment we expect in the U.S. in coming years, there may be compelling reasons to integrate philanthropy into your financial and estate planning.

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Long Term Care

As the oldest Baby Boomers begin to wind through their 50s, one of the biggest concerns may not be outliving income, but outliving good health.

For seniors, home health care can cost $50,000 or more per year(1), and nursing home care can run as high as $80,000(2). Does your retirement plan account for this kind of possibility? Would you be prepared for twice that number as a married couple?

Considering that you have to exhaust virtually all of your financial means before Medicaid will pay for long-term care and neither your group nor major medical insurance will cover long-term care, itís critically important to plan ahead and protect yourself from these costly expenses.

We can help evaluate your situation and determine if purchasing a long-term care insurance policy is the right move to help insure your future.

(1) Cetera Cost of Care Survey, 2010
(2) MetLife Market Survey of Nursing Home, Assisted Living, Adult Day Services, and Home Care Costs, 2009

 

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The above is not tax, investment or legal advice. Please consult your professional for more information. See annuity contracts for complete information. Guarantees are backed by the claims paying abilities of the insurance companies.

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