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Living the lifestyle you desire
Mission Statement :
For nearly two decades, we have been providing businesses and individuals with creative financial and insurance solutions that are in alignment with their unique goals and risk tolerances.
Our firm is advice-focused rather than product focused, and our goal is to educate our clients.
Like a good coach, we help consult and evaluate the full field of options available to each family or business.
This process enables our clients to recognize opportunities and to maximize the value of their hard earned benefits, and can result in a better understanding of how their personal retirement income streams work, while at the same time recognizing the factors that erode and reduce spendable income. The ultimate goal of this process is that our clients have greater use, control, and enjoyment of their money throughout their lives, as well as for their dreams, hopes, and aspirations for their heirs.
Our clients make informed and educated decisions well before any product considerations. Once a strategy is in place, it empowers our clients to make educated financial decisions which can then include an appropriate selection of financial products.
Living the lifestyle you desire
For more information contact:
Suresh Sabnani at Cell: (786) 953-0565
Address: 7480 SW 40th Street, Ste 740, Miami, FL 33155
Where we are today
Our strategies
Understanding income streams during retirement.
How much money will there be in your retirement plans and IRA’s?
How much income will that provide you?
How many years of income will that provide?
Will you run out of money before you run out of time?
These are all common questions surrounding retirement income planning. There are studies showing that a 4% withdrawal rate may not be the “safe” withdrawal rate that the financial press has lead everyone to believe.
We build strategies to help you understand how your retirement income streams can work and how you can potentially generate a greater income with a larger portion of it guaranteed through and combination of withdrawal strategies and product selection.
Our strategies
Continued....
Understanding your retirement plans and
pension maximization strategies
What type of retirement plan does your employer provide?
Does it provide you a guaranteed income for life?
What if you die before your spouse?
What if your spouse dies before you?
If you are participant in a type of retirement plan known as a defined benefit, you likely participate in a plan that creates a predictable, constant retirement income stream. While your income stream is a shared responsibility between you and your provider, a key to maximize this income will be your ability to understand and navigate the complex world of your systems.
Typically, these plans also allow for survivor options which can become expensive over time and that may never pay a benefit at all. Together, we can review the moving pieces that determine your plan, determine a suitable course of action which in turn enable you to have better use, control and enjoyment of your hard earned pension benefit.
Social Security Benefits
Integration Strategies
Are you counting on Social Security to supplement your retirement?
When are you planning to start receiving Social Security?
Is there a way to increase the amount of Social Security benefits you receive?
How will Medicare/Medicaid expenses affect your spendable income – and how does your income affect what you pay for Medicare/Medicaid?
Whether or not you pay into the system, your Social Security benefits may be reduced or eliminated altogether without prior planning. If you are not familiar with survivor benefits, benefits timing, Windfall Elimination (WEP), and Government Pension Offset (GPO), your income during retirement can be adversely impacted.
Furthermore, the type and amount of income you receive may cause all or a part of your Social Security benefit to be income taxable.
Drawing on our in-depth knowledge of Social Security, we will create a customized strategy that can put you in a more favorable position and provide you with the information needed in making your decision. (Not affiliated with Social Security Administration (SSA).
Please click here to go to the Social Security Administration website to register on the site and receive a report of your projected Social Security benefits.
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Apply for Social Security benefits Online at :
https://secure.ssa.gov
By phone at: 1-800-772-1213
In person: Visit your local Social Security office. (Call first to make an appointment.)
If you do not live in the U.S. or one of its territories you can also:
Contact the nearest U.S. Social Security office, U.S. Embassy or Consulate at http://www.socialsecurity.gov/foreign/
Ask about how we can help you with Medicare Enrollment?
Enroll Me Now into Medicare
Retirement Planning
Requires Commitment & Discipline.
Long Term Care Strategies
How would you pay for care should you have a change in health that requires long term assistance?
How would long-term care expenses affect your spouse’s life?
Where would you want to receive long-term care – in a facility or at home?
Contrary to what many people believe, Medicare/Medicaid does not cover long-term care.
Without provisions in place, the savings you built over your lifetime may be eroded by your medical and living expenses.
Traditional Long Term Care coverage is not always the solution. Many of these plans have no rate guarantees, meaning the premiums can increase each year, and the policy may never pay a benefit at all should you pass away without ever needing the benefits.
There are alternatives to these plans called Asset Based Long Term Care. If designed correctly, you can create a Long Term Care Strategy that will provide benefits to you and your heirs even if you never use the policy.
Please click here to review a brochure on Long Term Care Strategies.
Ask about our OneAmerica
Asset Based LTC Annuity Based LTC
Please click here to link to the U.S. Department of Health and Human Services Long Term Care website.
Retirement Planning Experts
For more information contact:
Suresh Sabnani at Cell: (786) 953-0565
Address: 7480 SW 40th Street, Ste 740, Miami, FL 33155
Family Protection Strategies
Will your spouse be able to remain in-place should you die first?
What about if you become disabled and cannot earn an income?
How will you take care of everything that your spouse does should he or she die before you?
Do your children’s – or grandchildren’s – education plans have the ability to be self-completing?
It is an unpleasant fact of life that some of us do not make it to a ripe old age – but we all have dreams and goals for our families.
There are strategies to help you accomplish these goals even if you are not physically there to see them come to fruition.
Some of these strategies allow you to write yourself a “permission slip” to use and enjoy your money while you are alive, and know that the money will also be there after your passing.
Legacy Strategies
When your life is done, how do you want to be remembered?
Do you want your assets to go straight to your beneficiaries, or do you want to protect those assets for future generations while still providing income for your immediate beneficiaries?
Are there specific colleges, universities, schools, or other charities you would want to support?
Congratulations. You have spent a lifetime accumulating assets, and through advice, information, and education you have successfully established a stable retirement income and are able to do what you want to do during your retirement.
But what now? What do you really want to happen to your assets when you are gone?
You can’t predict; you can prepare. We listen to your goals, wishes, and desires for what you want your legacy to be.
Retirement Planning Experts
For more information contact:
Suresh Sabnani at Cell: (786) 953-0565
Address: 7480 SW 40th Street, Ste 740, Miami, FL 33155
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