Why do we work? 

We work to keep our stand of living. Once we reach our level our comfort. We surly don't want to give it up. So toward the later part of our career we start to worry "Did we put enough away to keep me where I am at? Can I do the the traveling and all the things I put off and planned to do once I retired?"

According to Yahoo Finance 64% of Americans are not prepared for retirement and 48% don't care. They will retire broke. (https://finance.yahoo.com/news/survey-finds-42-americans-retire-100701878.html

Fortunately, this doesn't have to happen. There is a way out. There is a way to makeup for the lost years, get tax deferred growth, tax free income, market driven rate of return, Safety (NO downside interest risk), Liquidity, cash in the event of a death or illness, and YES, 3 to 1 Match! ....Can be deductible for a business!

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The struggle is real for the family when their loved one is gone. The death the grief. In their first 24 hours of the tragedy, not only does the family have to deal with the pain, they have to figure out how to pay funeral costs. The next reality is the how with the bills, the debts, the kids college get paid. That Check is the family gets from Life Insurance gives the family HOPE! The family get the security to know that even know things will change, not everything will change. LIFE INSURANCE IS A GIFT OF LOVE!

For a DIrect Consumer 

Multi-Carrier Insurance MarketPlace 

https://insuremenowdirect.com/agent/angiemichalak/

or 

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Where we go matters. It affects everyone. If you think you and your partner can skip this, think again. The odds are not in your favor. 60% of Americans need some form of skilled nursing for an average of 3 years. So if you thought your Medicare was going to pay for this, Ouch! Financial Plan Killer! This hurt also. We use $225 to calculate Long Term Care Costs! AND inflation for LTC increases by 8% inflation rate while the rest of the economy increase  by about 2.5% or you can stretch it with a 3% inflation rate.

The good news is you have the option to purchase LTC insurance. This give you the flexibility to live the lifestyle you want to live with dignity. If you live in a state like Florida, the state in in cooperation with the insurance companies. if you purchase qualified LTC insurance plan, you protect your assets up to the face value of your policy.

If you choose not to go this route and think you will pass off your assets to your kids at the last minute, be aware that there is a gift tax over 70K per individual in a 5 year period and you are subject to a 5 year look back period.

  Contact us for a current needs analysis of your portfolio

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