Office Hours: Monday – Friday: 9:00 AM – 5:00 PM
Financial Planning Services
You Can Build a Secure Financial Future
Planning for retirement and managing your financial future requires careful consideration of multiple factors, including income needs, healthcare costs, inflation, and market volatility. Our financial planning services are designed to help you build a secure financial foundation that provides peace of mind throughout
your retirement years.
Financial Planning Services
Annuities
Annuities are financial products that can provide guaranteed income during retirement, helping to ensure you don't outlive your money. With various types of annuities available, including immediate, deferred, fixed, and variable options, choosing the right annuity requires understanding your income needs, risk tolerance, and retirement timeline.
Our annuity specialists will help you understand how different types of annuities work, explain the benefits and limitations of each option, and help you determine if an annuity is appropriate for your retirement planning strategy. We'll also help you compare products from multiple insurance companies to find the best rates and features for your situation.
Long Term Care Insurance
Long-term care insurance helps cover the costs of care when you're unable to perform daily activities independently due to illness, injury, or cognitive impairment. With the high cost of long-term care services, having appropriate coverage can protect your assets and provide quality care options.
We'll help you understand the different types of long-term care coverage available, including traditional long-term care insurance, hybrid life insurance policies with long-term care benefits, and annuities with long-term care riders. Our team will help you evaluate your risk factors, understand the costs and benefits of different options, and choose coverage that fits your needs and budget.
Comprehensive Financial Solutions
Financial planning involves more than just insurance and annuities. It requires a comprehensive approach that considers all aspects of your financial situation, including retirement income planning, tax strategies, estate planning, and investment management.
Our financial planning team will work with you to develop a comprehensive financial strategy that addresses your unique goals and concerns. We'll help you understand how different financial products work together to create a cohesive plan that provides security and growth potential throughout your retirement years.
How We Work with You
Step 1: free Consultation
We begin with a consultation to understand your current situation, needs, concerns, and goals. This initial meeting gives you the opportunity to get to know us and understand how we can help.
Step 2: Analysis and Research
Based on our free consultation, we'll analyze your current coverage and research available options from multiple insurance carriers. We'll compare costs, benefits, and features to identify the best solutions for your specific situation.
Step 3: Personalized Services
We'll present you with personalized recommendations that fit your needs and budget. We'll explain each option in detail, answer all your questions, and help you understand the benefits and limitations of each choice.
Step 4: Implementation
Based on our free consultation, we'll analyze your current coverage and research available options from multiple insurance carriers. We'll compare costs, benefits, and features to identify the best solutions for your specific situation.
Step 5: Ongoing Support
Our relationship doesn’t end once your policy is
active. We offer ongoing support, annual reviews, and guidance to ensure your coverage keeps up with life’s changes.
How We Work with You
Step 1: Initial Consultation
We begin with a consultation to understand your current situation, needs, concerns, and goals. This initial meeting is always free and without obligation, giving you the opportunity to get to know us and understand how we can help.
Step 2: Analysis and Research
Based on our initial consultation, we'll analyze your current coverage and research available options from multiple insurance carriers. We'll compare costs, benefits, and features to identify the best solutions for your specific situation.
Step 3: Personalized Services
We'll present you with personalized recommendations that fit your needs and budget. We'll explain each option in
detail, answer all your questions, and
help you understand the benefits
and limitations of each choice.
Step 4: Implementation
Based on our initial consultation, we'll analyze your current coverage and research available options from multiple insurance carriers. We'll compare costs, benefits, and features to identify the best solutions for your specific situation.
Step 5: Ongoing Support
Our relationship doesn’t end once
your policy is active. We offer ongoing support, annual reviews, and guidance to ensure your coverage keeps up
with life’s changes.
The American Senior Advantage
Independent Agency Benefits
As an independent agency, we're not limited to products from a single insurance company. This independence allows us to shop multiple carriers and find the best coverage at the most competitive rates. We work for you, not the insurance companies.
Industry Expertise and Experience
With over 20 years of experience in this industry, our team has the knowledge to guide you through even the most complex insurance decisions. We stay current with industry changes to provide you with accurate, up-to-date information.
Personalized Recommendations
We believe that every client deserves individual attention and customized solutions. We take the time to
understand your unique situation
and provide recommendations
that are tailored specifically to your
needs and goals.
Local/Native Industry Knowledge
As Florida natives, we understand the unique insurance challenges and opportunities in our state. From hurricane preparedness to Medicare regulations, we know what matters most to Florida residents.
Transparent Communication
We believe in honest, straightforward communication. We'll explain everything in plain English, answer all your questions, and ensure you understand exactly what you're purchasing and why it's the right choice for you.
Learn About More Services
medicare solution Services
Planning for retirement and managing your financial future requires careful consideration of multiple factors, including income needs, healthcare costs, inflation, and market volatility. Our financial planning services are designed to help you build a secure financial foundation that provides peace of mind throughout your retirement years.
Insurance Protection Services
Life is unpredictable, and having
the right insurance protection is essential for safeguarding your assets and providing financial security for your loved ones. Our comprehensive insurance services are designed to protect you against life's unexpected events while fitting comfortably within your budget.
Answers to Common Insurance Questions
Q: What's the difference between an independent agent and a captive agent?
An independent agent represents multiple insurance companies and can shop the market to find the best coverage for your needs. A captive agent represents only one insurance company and can only offer products from that company.
Q: How often should I review my insurance coverage?
A: You should review your insurance coverage annually or whenever you experience a major life change, such as marriage, divorce, the birth of a child, buying a home, or retirement.
Q: What factors affect my insurance premiums?
A: Insurance premiums are based on various factors including your age, health, driving record, credit score, location, coverage amounts, and deductibles. The specific factors vary by type of insurance.
Q: When should I sign up for Medicare?
A: You should sign up for Medicare during your Initial Enrollment Period, which begins three months before the month you turn 65. Delaying enrollment may result in late enrollment penalties.
Q: Can I keep my employer health insurance instead of enrolling in Medicare?
A: If you're still working and have employer health insurance, you may be able to delay Medicare enrollment without penalty. However, the rules vary depending on the size of your employer, so it's important to understand your specific situation.
Q: What's the difference between Medicare Advantage and Medicare Supplement?
A: Medicare Advantage is an alternative way to receive Medicare benefits through private insurance companies, while Medicare Supplement (Medigap) works alongside Original Medicare to help pay for costs that Medicare doesn't cover.
Q: How much life insurance do I need?
A: The amount of life insurance you need depends on your income, debts, final expenses, and your family's future financial needs. A common rule of thumb is 10-12 times your annual income, but your specific needs may be different.
Q: Can I get life insurance if I have health problems?
A: Yes, there are life insurance options available for people with health problems, including simplified issue and guaranteed issue policies. However, these policies may have higher premiums or lower benefit amounts.
Q: What happens if I stop paying premiums on my life insurance policy?
A: The consequences of stopping premium payments depend on the type of policy you have. Term life insurance will simply end, while permanent life insurance may have options such as using cash value to pay premiums or converting to a reduced paid-up policy.
