Individual & Family Solutions
We understand that preparing for financial strategies can be overwhelming. We will work at your pace to handle many of these areas, keeping the future in mind but understanding sometimes you just need to easiest solution for the time being. Our approach is holistic and comprehensive for business owners, high net worth individuals, and their families. We are here to assist in the challenges that accompany success. When your assets grow, life becomes more complex. We will provide you will strategies that steer you towards the rewards of your wealth accumulation and away from the risks.
Plan for Retirement
Start Balanced Saving
At PIVOT, we want you to live your best life now and in the future. To do that, it is important to achieve a balanced saving strategy. We can help you establish a budget for needs, wants and savings, and push you to make your retirement dreams a reality.
Retirement Checklist
Earn with Interest
We will help you explore and select strategies to increase the amount of interest earnings in your portfolio. Who doesn’t like compound interest?
Supplement with
Guaranteed Income
If you’re strategizing your retirement, how can you be sure your savings are enough? After all, Americans are living longer than ever. We will help explore options that allow you to convert a lump sum of your retirement fund into a steady, reliable cash flow for the future and ensure you’ll have cash you can depend on. No matter what.
Enjoy Your Retirement
Secure Guaranteed Income
If you’re retired or nearing that time, it’s wise to think about converting your savings into reliable income. The goal is to achieve the peace of mind a steady income provides—without the need to work for a paycheck. We can help you explore taking income now, guaranteeing income later and how to reinvest your 401(k).
Protect Your Assets
There are numerous financial strategies and retirement income plans that can help you accumulate assets for the future, shield your business and personal assets from liabilities, and safeguard asset transfer to children and grandchildren. We can help you figure out what the right course of action is for your specific situation and objectives.
Reinvest Your 401K
When you leave a job or retire, you have a decision to make regarding your 401(k) money. While leaving those assets in the former employer’s plan is an option, a rollover can be a consideration. Working with your tax advisor, we can help you determine the right course of action for you. This may include: leaving the funds in your existing plan, if permitted, or rolling them into your new employer’s plan, if one is available and rollovers are permitted. Each choice offers advantages and disadvantages, depending on your specific needs and retirement plan, such as the desired investment options and services, applicable fees, expenses, and withdrawal options, as well as required minimum distributions and tax treatment of applicable options.
Protect Your Assets
Insure Your Whole Life
Many people think that life insurance is only for people with families. While it is true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession or charitable giving plan. And permanent life insurance offers many living benefits as well, such as tax-deferred cash value accumulation. For all of these reasons, life insurance can be important for someone starting out - or for someone who’s starting over.
- Whole Life
- Term Life
- Universal Life
- Survivorship Life
Insure Your Income In
Retirement
Annuities can set you up for retirement and guarantee a steady stream of income for the rest of your life.
- Variable Annuities*
- Fixed Annuities
- Guaranteed Income Annuities
Get Lower Cost Protection
Now
So far, we have not found the fountain of youth, though we think Golf might get us closer! Ok, so we are not getting younger, and the cost of insurance isn’t likely to go down as we age. We will help you take action to insure, protect and build value when the coverages is most affordable.
Access Cash Value
Whole life insurance is a way to invest in your life, with guaranteed protection for your loved ones. It also builds guaranteed cash value year after year, which you can borrow against (like a loan), often tax-free, to help with buying a home, paying for college, covering unforeseen emergencies, or even funding your retirement. We will help you examine this option to see if it is right for your portfolio.
Build Your Child’s Future
With proper planning, you can leave a legacy and help your heirs enjoy a life unimagined, without probate and administrative hoops. We will help you find a balanced portfolio approach to leaving a legacy and securing a financial future for your heirs.
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