[et_pb_section fb_built=”1″ admin_label=”Page Title Section” _builder_version=”4.0.9″ use_background_color_gradient=”on” background_color_gradient_start=”#313e47″ background_color_gradient_end=”rgba(49,62,71,0.5)” background_color_gradient_overlays_image=”on” background_image=”https:\/\/rocketfueldesign.com\/cdcinsuranceservice\/wp-content\/uploads\/2019\/12\/IMG_9528.jpg” custom_padding=”120px||123px|||”][et_pb_row admin_label=”Page Title Area” _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding__hover=”|||”][et_pb_text admin_label=”Page Title” _builder_version=”4.0.9″ text_font=”Gilda Display||||||||” text_text_color=”#ffffff” text_font_size=”27px” text_line_height=”2em” header_font=”Prata||||||||” header_font_size=”60px” header_line_height=”1.6em” text_orientation=”center” background_layout=”dark” max_width=”700px” module_alignment=”center” custom_margin=”||10px|” custom_padding=”||0px|||” animation_style=”fade” header_font_size_tablet=”40px” header_font_size_phone=”” header_font_size_last_edited=”on|desktop”]<\/p>\n
Retirement Planning Made Simple<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Project Section 01″ _builder_version=”4.0.9″ custom_margin=”-47px|||||” custom_padding=”|||” border_color_all=”#3b4147″ border_width_left=”8vw” border_color_left=”rgba(255,163,15,0.43)”][et_pb_row column_structure=”1_2,1_2″ admin_label=”Project Area 01″ module_class=” et_pb_row_fullwidth” _builder_version=”3.25″ width=”89%” width_tablet=”80%” width_phone=”” width_last_edited=”on|desktop” max_width=”89%” max_width_tablet=”80%” max_width_phone=”” max_width_last_edited=”on|desktop” make_fullwidth=”on”][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”3.27.4″ text_font=”||||||||” header_font=”||||||||” header_2_font=”Prata||||||||” header_2_font_size=”36px” header_2_line_height=”1.6em” custom_margin=”||10px|” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”5%” animation_starting_opacity=”100%”]<\/p>\n
[\/et_pb_text][et_pb_divider divider_position=”center” divider_weight=”3px” _builder_version=”4.0.9″ max_width=”70px” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”10%” animation_starting_opacity=”100%”][\/et_pb_divider][et_pb_text _builder_version=”3.27.4″ text_font=”||||||||” text_line_height=”2em” animation_style=”fade”]<\/p>\n
Retirement Income Plans are not just for the wealthy. As you plan to retire, the traditional method has been to move growth products into more conservative fixed-income products. When retirement was only expected to last 5 to 10 years, this may have worked. Today, however, people are living longer. You should consider that you may need to plan for your nest egg to last 25 to 30 years.<\/p>\n
[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”3.27.4″ text_font=”||||||||” header_font=”||||||||” header_2_font=”Prata||||||||” header_2_font_size=”36px” header_2_line_height=”1.6em” custom_margin=”||10px|” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”5%” animation_starting_opacity=”100%” locked=”off”]<\/p>\n
[\/et_pb_text][et_pb_divider divider_position=”center” divider_weight=”3px” _builder_version=”3.2″ max_width=”70px” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”10%” animation_starting_opacity=”100%” locked=”off”][\/et_pb_divider][et_pb_text _builder_version=”3.27.4″ text_font=”||||||||” text_line_height=”2em” animation_style=”fade” locked=”off”]<\/p>\n
\u201cTimes are changing\u2026\u201d It may be an old Bob Dylan song, but it is so true today. Time can be used to your advantage when investing for wealth accumulation. Having your assets diversified in the right products and allocations during these uncertain times will not only build and protect your wealth, but provide peace of mind. After all, the last thing you want to do is lose wealth during the next market correction.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Project Section 01″ _builder_version=”4.0.9″ background_color=”#f7f7f7″ custom_padding=”|||” border_color_all=”#545f66″ border_width_left=”8vw”][et_pb_row column_structure=”1_2,1_2″ admin_label=”Project Area 01″ module_class=” et_pb_row_fullwidth” _builder_version=”3.25″ width=”89%” width_tablet=”80%” width_phone=”” width_last_edited=”on|desktop” max_width=”89%” max_width_tablet=”80%” max_width_phone=”” max_width_last_edited=”on|desktop” make_fullwidth=”on”][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”3.27.4″ text_font=”||||||||” header_font=”||||||||” header_2_font=”Prata||||||||” header_2_font_size=”36px” header_2_line_height=”1.6em” custom_margin=”||10px|” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”5%” animation_starting_opacity=”100%”]<\/p>\n
[\/et_pb_text][et_pb_divider divider_position=”center” divider_weight=”3px” _builder_version=”3.2″ max_width=”70px” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”10%” animation_starting_opacity=”100%”][\/et_pb_divider][et_pb_text _builder_version=”3.27.4″ text_font=”||||||||” text_line_height=”2em” animation_style=”fade”]<\/p>\n
Today\u2019s asset protection calls for more than just strategic asset protection. Product allocation (using instruments that can protect your portfolio from negative returns early in retirement) is considered a more effective means of asset protection. Diversifying using insurance and investment vehicles may offer you the best chance of meeting your retirement income goals.<\/p>\n
[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”3.27.4″ text_font=”||||||||” header_font=”||||||||” header_2_font=”Prata||||||||” header_2_font_size=”36px” header_2_line_height=”1.6em” custom_margin=”||10px|” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”5%” animation_starting_opacity=”100%” locked=”off”]<\/p>\n
[\/et_pb_text][et_pb_divider divider_position=”center” divider_weight=”3px” _builder_version=”3.2″ max_width=”70px” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”10%” animation_starting_opacity=”100%” locked=”off”][\/et_pb_divider][et_pb_text _builder_version=”3.27.4″ text_font=”||||||||” text_line_height=”2em” animation_style=”fade” locked=”off”]<\/p>\n
IRA Accounts have become one of the largest types of assets inherited by beneficiaries. Many retirees don\u2019t plan on using all of these assets, most take only the (RMD) leaving a taxable inheritance. You may wish to consider a legacy planning strategy to reduce taxes and increase the payout your beneficiaries will inherit. We can help to determine if IRA Legacy Planning is the best means for ensuring a long lasting inheritance.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Project Section 01″ _builder_version=”4.0.9″ custom_padding=”|||” border_color_all=”#545f66″ border_color_right=”#ffba60″ border_width_left=”8vw” border_color_left=”rgba(84,95,102,0.82)” locked=”off”][et_pb_row column_structure=”1_2,1_2″ admin_label=”Project Area 01″ module_class=” et_pb_row_fullwidth” _builder_version=”3.25″ width=”89%” width_tablet=”80%” width_phone=”” width_last_edited=”on|desktop” max_width=”89%” max_width_tablet=”80%” max_width_phone=”” max_width_last_edited=”on|desktop” make_fullwidth=”on”][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”3.27.4″ text_font=”||||||||” header_font=”||||||||” header_2_font=”Prata||||||||” header_2_font_size=”36px” header_2_line_height=”1.6em” custom_margin=”||10px|” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”5%” animation_starting_opacity=”100%”]<\/p>\n
[\/et_pb_text][et_pb_divider divider_position=”center” divider_weight=”3px” _builder_version=”3.2″ max_width=”70px” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”10%” animation_starting_opacity=”100%”][\/et_pb_divider][et_pb_text _builder_version=”3.27.4″ text_font=”||||||||” text_line_height=”2em” animation_style=”fade”]<\/p>\n
Life insurance isn\u2019t for those who have died, it\u2019s for those left behind. When shopping for life insurance, consider the needs for replacing income to maintain a standard of living, pay for funeral costs, and estate costs. How much does one need? A rule of thumb between 5 \u2013 7 times the gross annual income. Life insurance comes in two types: Term and Permanent. Which one is right for you? We can help to determine the right choice.<\/p>\n
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Proceeds from a life insurance policy are paid at death to the named beneficiary. These proceeds are typically free of federal income tax. In recent years, some life insurance policies sold may include a \u201cliving benefits\u201d provision that allow a named insured to access a portion of the death benefit prior to death to pay for chronic, critical or terminal illness.<\/p>\n
[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”3.27.4″ text_font=”||||||||” header_font=”||||||||” header_2_font=”Prata||||||||” header_2_font_size=”36px” header_2_line_height=”1.6em” custom_margin=”||10px|” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”5%” animation_starting_opacity=”100%” locked=”off”]<\/p>\n
[\/et_pb_text][et_pb_divider divider_position=”center” divider_weight=”3px” _builder_version=”3.2″ max_width=”70px” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”10%” animation_starting_opacity=”100%” locked=”off”][\/et_pb_divider][et_pb_text _builder_version=”3.27.4″ text_font=”||||||||” text_line_height=”2em” animation_style=”fade” locked=”off”]<\/p>\n
Outliving their income remains the biggest fear retirees have. Thanks to advanced medical technology, prescription drugs; and even for some a healthy diet and exercise, people are living longer than ever before \u2013 creating more of a reason to have a plan in place to create income designed to last a lifetime.<\/p>\n
Understanding an investment loss in the years just prior to and\/or just after you retire can have a devastating impact on the level of income you receive during your retirement. In fact, the earlier a loss occurs, the greater the chance of depleting your retirement savings.<\/p>\n
We can help you create an income plan using income vehicles and incorporating insurance to create opportunities for long-term growth as well as a stream of income to last throughout your retirement.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Project Section 01″ _builder_version=”4.0.9″ background_color=”#f7f7f7″ custom_padding=”|||” border_color_all=”rgba(255,163,15,0.39)” border_color_right=”#ffba60″ border_width_left=”8vw” border_color_left=”rgba(84,95,102,0.65)” locked=”off”][et_pb_row column_structure=”1_2,1_2″ admin_label=”Project Area 01″ module_class=” et_pb_row_fullwidth” _builder_version=”3.25″ width=”89%” width_tablet=”80%” width_phone=”” width_last_edited=”on|desktop” max_width=”89%” max_width_tablet=”80%” max_width_phone=”” max_width_last_edited=”on|desktop” make_fullwidth=”on”][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”3.27.4″ text_font=”||||||||” header_font=”||||||||” header_2_font=”Prata||||||||” header_2_font_size=”36px” header_2_line_height=”1.6em” custom_margin=”||10px|” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”5%” animation_starting_opacity=”100%”]<\/p>\n
[\/et_pb_text][et_pb_divider divider_position=”center” divider_weight=”3px” _builder_version=”3.2″ max_width=”70px” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”10%” animation_starting_opacity=”100%”][\/et_pb_divider][et_pb_text _builder_version=”3.27.4″ text_font=”||||||||” text_line_height=”2em” animation_style=”fade”]<\/p>\n
When you retire or even change jobs, there are 4 things you can do with your money in your employer-sponsored plans:<\/p>\n
\u2022 Leave your money where it is.<\/p>\n
\u2022 Transfer the money to another employment plan (if allowable)<\/p>\n
\u2022 Roll the money over into an IRA<\/p>\n
\u2022 Take the cash (pay income taxes and perhaps 10% federal penalty if younger than age 59 \u00bd )<\/p>\n
Rolling over from one qualified plan to another qualified plan allows your money to continue growing tax-deferred until you receive a distribution in retirement. We can help you determine if a rollover is the right move for you, and we can help find the best vehicle to help grow and conserve your rollover.<\/p>\n
[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding__hover=”|||”][et_pb_text admin_label=”Title” _builder_version=”3.27.4″ text_font=”||||||||” header_font=”||||||||” header_2_font=”Prata||||||||” header_2_font_size=”36px” header_2_line_height=”1.6em” custom_margin=”||10px|” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”5%” animation_starting_opacity=”100%” locked=”off”]<\/p>\n
[\/et_pb_text][et_pb_divider divider_position=”center” divider_weight=”3px” _builder_version=”3.2″ max_width=”70px” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”10%” animation_starting_opacity=”100%” locked=”off”][\/et_pb_divider][et_pb_text _builder_version=”3.27.4″ text_font=”||||||||” text_line_height=”2em” animation_style=”fade” locked=”off”]<\/p>\n
According to the Department of Health and Human Services*, 7 in 10 individuals 65 and older will experience a long-term care event prior to death. 3 Million Americans are being diagnosed with Alzheimer\u2019s in the United States each year.** A national median annual cost of a private room in a nursing home is $100,375.***<\/p>\n
Many of the costs associated with long-term care are not covered by traditional health insurance or Medicare. Long-term care can be administered in a home setting, or in a community setting such as an Adult Day Care Center, Assisted Living Facility, Continuing Care Retirement Community, Nursing Home or Memory Care Unit.<\/p>\n
Long-term care insurance can provide a funding source to pay for these types of services, so other retirement income sources may remain in place for a non-impacted spouse. LTC insurance can also help to avoid an asset spend-down, allowing generational wealth to be passed on to a family\u2019s heirs.<\/p>\n
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\u00a0 * SOURCE: www.longtermcare.gov
** SOURCE: Alzheimer\u2019s Association 2017 Facts and Figures Study
*** SOURCE: Genworth Cost of Care Survey 2018<\/p>\n
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25 W. 4th St.
Morgan Hill, CA 95037<\/p>\n