Many people believe that they have coverage for long-term care through their health insurance and/or Medicare. However, these provide little to no coverage. Planning for longevity expenses is an extremely important part of retirement planning.
The bulk of retirement and wealth planning relies on being able to make sound long-term decisions to build wealth. Life Insurance can help provide financial security to your family or business should you pass on prematurely.
Getting coverage early can help secure lowest premiums possible and you are likely to have more debt and a greater need earlier in your life. Choose the coverage and premium that best suits your needs and budget. Speak to LaBrunerie so we can help determine your coverage needs.
In many cases, retirees’ financial paradigm shifts from accumulation to preservation. Pensions are becoming rare and social security is underfunded. Today, the responsibility of financing your retirement income is likely to fall on your shoulders. Annuities represent a vehicle for preserving retirement assets while providing a steady income stream for the rest of your lifetime. We can help you select the best option to suit your needs.
Losing a loved one is an emotional journey. Imagine your heirs having to settle your estate. The claims process can be complicated and time-consuming to complete. There are many decisions to be made that have complicated legalities to navigate and that will affect the tax treatment of their inheritance. We can help your loved ones by working with your attorneys, accountants, and investment companies to navigate the estate settlement process after death for your family.