Retirement Resource Management

Helping Maximize Retirement Potential

Retirement Resource Management Services

Social Security

Why is Social Security education important?

• Would you like to have more money in retirement?

• How about leaving more monthly income for your spouse?

• Have you been divorced or widowed?

• Does fear keep you from making a great decision about retirement?

There is a false narrative out there that Social Security will not be there when people need it. Education and analysis is critical to making good decisions that will impact your retirement. We are experts and the bottom line is with the combination of education and analysis you will have all the facts to make a great decision about your retirement income. As our way of giving back, we have on demand videos to help you make the best choices about Social Security.

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Long Term Care

Long Term Care is one of the most overlooked elements of retirement. There is a perception that it is unaffordable and that if you don’t use it you lose it. Fortunately, in the past couple of years there have been many new products introduced that allow you to use insurance for multiple purposes. So, in essence you are simply relocating assets on a balance sheet. If you need the benefits for Long-Term Care it is there, if you need it for income it is there, and if you die there is a death benefit that is paid to your heirs. The key is knowing when and how to purchase. We consult on issues like these to first help you understand what is available, why it is critical to your retirement, and how to best pay for the coverage. Like most insurance products no one product is best for everyone. By remaining independent I can provide advice on multiple levels to help match needs with the options available. There is probably no single decision in retirement that can have as great an impact on you and your spouse’s retirement than a long-term care event. Let’s discuss this before it becomes an issue. To learn more about the program contact us directly.

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Consulting Services

Do you ever just have questions? Or would you like a second unbiased opinion of your unique situation. I have specialized in retirement planning for over 24 years and have helped individual and small businesses evaluate everything from mortgages, to cashflow, to insurance needs, to investment analysis, and just about any other situation that they would like another independent opinion on their unique situation. I do not provide cookie cutter plans that push products, but rather checklists of items that need attention and direction of where to best meet their needs. I have not managed money since 2008 and have no plans to do so in the future and can either work with your existing financial relationship or recommend some new ones if needed. Retirement is too important to not fully comprehend all your options and all too often products take priority over planning.

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"For most of my professional life, I have worked in retirement planning. I have been a financial advisor, had my own Registered Investment Advisory firm and created a Retirement Education company..."


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Case Studies

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Let me ask a couple of questions

If you own a home do you have homeowner’s insurance?

Sure, you do because if something major happens to your house you want to be able to replace it. In 2014 only 5.3% of all homeowners made a claim on their policy and this includes everything from fire to theft.

If you own a car do you have automobile insurance? The average automobile insured person files a claim once every 17.9 years or 5.6% and this is required in most states to have this insurance.

Now consider this if you faced a 75% likelihood that you would face a $200,000 expense and you could purchase insurance to cover that expense, would you?

For most retirees, this is exactly what they face. The expense is long-term care. Recent statistics show there is a 75% probability that someone age 65 or older will face some type of long-term care event in retirement. The cost in Raleigh is about $82,000 and for men, the average duration of care is 2.4 years and for women 2.6 years and that does not even cover people that have Alzheimer’s disease which can last longer than 10 years.  It is easy to see that the expense can easily exceed the $200,000.

Today people are choosing to address their long-term care needs in several ways:

  • Self-fund (most used option) – This is also known as having no plan and fails to leverage resources to their maximum potential.
  • Purchase traditional long-term care insurance, which is expensive and keeps rising each year.
  • Purchase a life insurance policy that has a long-term care rider on it.
  • Purchase an annuity that has a long-term care rider.

As an hourly consultant, I help people evaluate all the options. I can help you understand what is best for your situation before you purchase anything. The statistics are too great to ignore; if you aren’t prepared for a long-term care expense you could be putting your and your spouses’ retirement at risk.