Services

How We Can Help

We understand the challenges families and individuals face today. From managing the daily budget to saving for college and retirement, these challenges can be overwhelming. Your unique circumstances must be taken into consideration when you seek to find the most favorable strategy for safe financial protection and growth.

Retirement assets can be exposed to four major financial risks:

  • Market Risk
  • Withdrawal Rate Risk
  • Longevity Risk
  • Medical Expenses/ Long-Term Care Expenses

We can help reduce these risks through a wide range of services, including:

Adult Financial Education Courses

I’m an instructor with Adult Financial Education Services (AFES), specializing in planning and guidance for those who are seeking a better lifestyle and a guaranteed income in retirement.

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“For Women Only” Women’s Educational Courses

Women earn on average 20% less income than men but also live on average longer than men. Although women handle a larger percentage of the day-to-day budget, often they leave the long-term planning to their spouse. Here we teach you the importance of financial planning; knowing what your financial plan is and provide the financial tools to help you live a retirement without a dramatic change to your standard of living.

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Income Strategies

Learn about income strategies for guaranteed lifetime income that can help you maintain your lifestyle now and in retirement.

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Annuities

Are you in or near retirement? Learn how annuities can help generate a reliable stream of income or increase your current savings.

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Life Insurance

A reliable insurance strategy could help protect you and your family from the financial consequences of major life events.

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Insurance Reviews

Life can change – the birth of a child, the death of a loved one, the loss of a job, a major purchase – which will readjust your customized strategy.

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Lifestyle Planning

Lifestyle matters look at how to balance work and leisure efficiently, how to make smart choices for the future, as well as many other items regarding how to help you enjoy the journey.

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Long-Term Care

Chances are you could live well into your 80s and 90s, or longer. A long life greatly increases the likelihood you’ll require long-term health care.

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Social Security Optimization

We can help you understand your Social Security benefits and educate you on how you can maximize those retirement benefits.

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