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301.577.6340
How We Help
We want to help you grow and preserve your wealth through information and preparation.
We start by learning about you, your goals, concerns and current situation to determine which insurance products or services may best fit your needs. Because we genuinely care about your future and your family, we also take time to guide you on ways to make better selections on your own.
Some of the most frequent areas and issues we address with clients include:
Understanding Government Benefits
□ CSRS (Civil Service Retirement System)
□ FERS (Federal Employee Retirement System)
□ TSP (Thrift Savings Plan)
□ CSRS-Offset
□ Social Security
□ FEHB (Federal Employee Health Benefits)
Wealth Management
□ Investment Management Services
□ Financial Planning
□ Lending Solutions
Retirement Income Strategies
Annuites
Estate Planning Strategies
□ Trust
□ Wills
Tax Strategies
Life Insurance Planning
Health Care Planning
□ Long Term Care
□ Short Term Care
□ Home Health Care
□ Paycheck Protection (Disability Income)
□ Cancer Plans
□ Hospital Indemnity
Cash Management
Learn About Our Workshops
This workshop is designed to provide employees with a thorough understanding of the different components of their employee benefits and how these benefits will impact their current and future financial objectives. Employees will learn the differences between the CSRS/FERS, and CSRS Offset systems, TSP and the best strategies now and in retirement, the FEGLI program and its financial impact on both your paycheck and retirement check; and what role Social Security plays in each retirement system. Employees will learn how to estimate their future retirement annuity, TSP annuity payment, as well as future FEGLI program costs.
Retirement reality is often times different than our retirement dreams. Navigating the roadblocks to your retirement varies from the fear of outliving your retirement income, need for LTC coverage, taxes, and a proper plan to transfer assets. The market volatility and growing tax and inflation uncertainty has left employees wanting off the Wall Street roller coaster. During this course we will make you aware of some of the possible long-term impacts this may have on your retirement. People have had enough of crushed dreams, lost retirement funds, and delayed plans! Ask yourself: can I afford to keep rebuilding my wealth every few years? If not, let us help you with our strategies to create a retirement income you can’t outlive.
Social Security Mistakes are Costly and Permanent! According to academic research, 96% of people file for their Social Security benefits before fully understanding their options. As a result, millions of people claim less than their maximum benefits and therefore lock in a permanent, lower monthly income payment.
This course is designed to help participants learn how to evaluate their choices, optimize their Social Security benefits and make wise decisions based on their goals and financial future. Attendees will also gain insight on how the CSRS or FERS pension and TSP will impact the taxation of their Social Security benefits. Participants will leave empowered with a blueprint of how to craft a real and sustainable income plan for retirement.
Did you know that 90% of all women will eventually be solely in charge of household finances?*
This course will focus on retirement and income planning for women. We will guide you through some of the unique financial concerns women face, including:
- How to avoid outliving your money
- How to have financial independence — with or without a spouse or partner
- Strategies to help safeguard your legacy for your loved ones
Whether you’re married, single, widowed or divorced, you won’t want to miss this informative and inspiring seminar.
In this engaging session tailored for individuals ages 50 and up, we'll be delving into the challenges and opportunities that retirees and pre-retirees face today and throughout retirement. Don't settle for a generic approach – learn how to customize your retirement plan to match the lifestyle you want and deserve. Don't miss out on this chance to retire with confidence and live the life you deserve!
Key Highlights:
1. Customized Strategies: Gain insights into personalized retirement strategies that go beyond the standard pie chart, ensuring your financial plan aligns with your unique goals.
2. Lifestyle Planning: It's not just about the money – discover how to achieve the lifestyle you've envisioned for your retirement years.
3. Expert Guidance: Our seasoned professionals will guide you through the complexities of retirement planning, providing actionable advice tailored to your needs.
Did you know that the most common and destructive emotions of today are fear, anxiety and greed? When they are coupled with making financial decisions, the outcome could be disastrous and life changing. See how being sad, angry, scared, guilty, thankful, peaceful, etc. can impact and affect your finances. Join us so you can put these emotions aside using sound and mindful techniques to help you reach your financial destination.
Whether you’re just getting started, on the road to retirement, or already retired, this workshop will provide you with wealth building tips and foundational strategies to thrive in this economy. Attendees will be shown a cash flow system to help align their spending with their financial goals and decrease their debt accumulation. You will be equipped with tools to learn how to keep more of what you earn, how to create a simple, effective, and realistic system to budget your monthly expenses, as well as how to turn your savings into a paycheck you can never outlive!
This workshop focuses on the top three important topics today’s retirees and soon-to-be retirees want answers on:
- The possibility of not having enough income in retirement
- The risk of the market and our current economy
- The damaging impact of taxes on one’s retirement outlook
During this workshop we bust the common myths about taxes in retirement and provide attendees clarity surrounding what proportion of their retirement assets could be affected by taxes in retirement based on the 4 tax buckets. Participants will leave knowing why now is the time to take action and gain a greater sense of control over their ultimate financial future and retirement outcome.
Long-term care is a continuum of care, housing, and services that people will most likely need when they live a long life. This workshop is designed to help employees understand why long-term care needs are such an issue today and the financial impact long-term care needs will have on both their financial resources as well as their families. The workshop will cover the legislation concerning long-term care resource options and how it can affect your assets and retirement resources. Although most care is provided in the home, it may be the most costly type of care that you or your family will ever face. You will learn the important questions to ask yourself and your family concerning long-term care and explore the realities of family care giving. The U.S. Senate Special Committee on Aging stated that “Long-term care is the number one source of poverty for seniors today!” Come discover how to prepare now so you can help protect your future and those whom you care most about. Let’s close the missing link in your financial plan
Communicating with your family about legacy issues helps to ensure that each family member’s wishes, hopes, fears and key issues are discussed. A true legacy is much more than just leaving your money behind. Legacy covers all facets of an individual’s life. Join us and learn how to begin to discuss each of the Four Pillars of Legacy: 1) Values & Life Lessons, 2) Instructions & Wishes to be Fulfilled, 3) Personal Possessions of Emotional Value and 4) Financial Assets or Real Estate. There is a sense of relief and comfort in knowing that everyone in the family understands each other’s priorities and issues.
If debt is weighing you down, and you feel like you will never get out of debt, you are not alone. Many Americans often find themselves in a debt trap they did not plan for. During this informative workshop, you will learn the 3 Phase Roadmap to becoming debt free (including your mortgage and student loans) in nine years or less, all without sacrificing your current lifestyle, and give you a REAL plan to get out of debt! In addition, you will learn how to help increase your FICO (credit) score and reinvent your credit identity.
