(610) 446-0440

Are You Covered?
Asset-Based Long Term Care Insurance, Life Insurance, Annuities, and Partial-Roth Conversions.

 

There are numerous types of long-term care insurance policies you can use for your future.

Some types even return your premium payments if you don’t use any care.

LTC insurance is a niche product that is very specific to each individual depending on their financial situation, age, marital status, net worth and budget.

Let’s discuss which can work within your budget.
You can swing this!

http://steveclott.com/services/

 

Personal Individual & Joint Policies

Life Insurance

SERVICE BEFORE AND AFTER THE SALE

Long-Term Care Insurance

The cost of Long-Term Healthcare is devastating.
The need hasn’t gone away.

We’ve Got You Covered. Don’t Get Caught Off Guard.

Many people are surprised to learn that Medicare does not cover long-term nursing care, assisted living, or adult daycare. Medicare also does not cover daily custodial care, such as assistance with eating, bathing and dressing.

People with money are asking why their financial advisors aren’t discussing important things like protecting their savings, making them last, and passing them on to the next generation. These clients aren’t interested in “get rich quick” schemes; they want advisors who can help them manage what they have wisely.
The problem is, many advisors focus on making money through investments, not on things like tax planning and wealth preservation. This creates a gap where clients are more informed than their advisors on these crucial topics.
This is the perfect time for advisors to educate clients about “the second half of the game”: helping clients keep their money, not just grow it. Clients value planning and want advisors who can talk about things like IRAs, Roth conversions, rollovers, and long-term-care. Even though advisors might not explicitly say they do tax planning, many of their actions already impact taxes. By getting educated on these topics themselves, advisors can help clients who are looking for more than just investment advice.
This is especially important for younger generations who are more informed and expect different things from financial advisors. They need advisors who can talk about the whole picture, not just short-term gains.

 

 

Put You & Your Family in Good Hands

Get In Touch

Steve Clott, CPA CFP®, Independent Agent since 1996
Insurance offered through Dedicated Insurance Advisers LLC

(610) 446-0440, or complete the form below

FIXED INDEX ANNUITIES

FIAs are complex financial instruments that have characteristics of both fixed and variable annuities. Their return varies more than a fixed annuity, but not as much as a variable annuity. So FIAs give you more risk (but more potential return) than a fixed annuity but less risk (and less potential return) than a variable annuity. FIAs offer a minimum guaranteed interest rate combined with an interest rate linked to a market index. Because of the guaranteed interest rate, FIAs have less market risk than variable annuities. FIAs also have the potential to earn returns better than traditional fixed annuities when the stock market is rising.
(FINRA)