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Medicare Advantage

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Get Coverage For The Bills Medicare Doesn’t Pay Here’s the problem… Medicare deductibles, co-payments, limitations and exclusions can cost us hundreds or thousands of dollars every year, even if we don’t have any major health issues. Basic Medicare doesn’t cover healthcare expenses for prescription drugs, dentistry, vision care, hearing aids, routine physical exams, most immunizations, and custodial care even when it’s needed for recovery after surgery or hospitalization. We are…

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Medicare Supplement Plans

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Supplemental Coverage for Medicare Limitations Here’s the problem… When we reach age 65 and replace our health insurance with medicare, we must be prepared to pay for the healthcare expenses that Medicare doesn’t cover. Because we are still responsible for Medicare deductibles & co-payments in addition to fees or charges by doctors & hospitals that exceed the standard Medicare allowance. What’s more, Medicare has coverage limitations and benefit exclusions including…

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Create a Lifetime Tax Strategy to Protect Your Financial Security

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Tax Strategy Planning

Tax Strategy Planning Here’s the problem… Most of us think that we are already doing all we can to minimize our taxes. To legally and ethically take advantage of the tax code and pay no more than we need to. But the U.S. tax code is VERY complex and VERY confusing. So taking advantage of all of its provisions is more than a little complicated. Especially, when it comes to…

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Final Expense Insurance

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Final Expense Insurance

Final Expense Insurance Tax Free Money for All Your “End of Life” Expenses Here’s the problem… Remember the last funeral you attended? According to the Federal Trade Commission the cost of that funeral was at least $6000. Simple casket, cemetery vault, mortuary service more than double what it was only 10 years ago. But that funeral might have cost $10,000, $15,000, $20,000, if you add in the expense of a…

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Irrevocable Funeral Trusts

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Irrevocable Funeral Trusts & You Peace of Mind for You & Your Loved Ones Concerns Facing Seniors Today   Why Should I Plan for My Final Expenses Now?   “Advanced funeral planning gives you the peace of mind that comes with knowing your funeral arrangements are taken care of while lessening the burden on your survivors.” – American Association of Retired Persons (AARP)   How Does the Deficit Reduction Act…

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Never Run Out of Money For as Long as You Live

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Deferred Annuity

Deferred Annuity Here’s the problem… No matter where we keep our retirement savings, we cannot predict with any certainty, the rate at which our money will grow over the next 10, 20 or 30 years. And we cannot predict the rate at which we can continually withdraw money from our savings, over 20 or 30 years of retirement. Because we cannot know how long we will live, we cannot know…

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Prevent Your 401k or IRA From Wasting Your Money

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Fixed Index Annuities

Fixed Index Annuities Here’s the problem… The money we keep, 401k, 403b, IRA is typically charged fees of 1% to 2% for administrative services and management expenses which will be deducted from our retirement savings every year even when our accounts lose money! Now 1% or 2% might not seem like much but those deductions can be VERY costly. Because every1% we pay out in annual fees over 20 or…

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Annuity Laddering For Retirement

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Annuity Laddering For Retirement

Protect Your Retirement From Low Interest and High Inflation Here’s the problem… According to the U.S. Consumer Price Index, over the 20 year period from 1990 to 2010, the U.S. dollar lost 40% of its value through inflation. So, if we had retired in 1990 with a monthly income of $5000, it would be worth only $3000 in today’s economy. What’s more, the average interest rate on one year CD’s…

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Reverse Mortgage

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Reverse Mortgage

Convert Your Home Equity Into Tax Free Monthly Income Here’s the problem… You’re at least 62 years old and you’re living on a fixed income or at least a tight budget. As the cost of living goes up, maybe you worry about paying your bills. Maybe your home needs a new roof or you owe property taxes. Maybe you or your spouse need home nursing care or expensive medical equipment…

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Get the Maximum Pay Out from Your Social Security

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Get The Maximum From Social Security

Here’s the problem… The standard retirement age for Social Security benefits is currently between 65 and 67 depending on our birth date. But we can start out retirement benefits as early as age 62 or as late as age 70. However, starting benefits at age 62 will give us 25% less monthly income. Waiting until age 70 can give us 32% more monthly income. If you decide to start your…

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