Financial confidence today means possibilities tomorrow
At Rest Easy Retirement, we help you protect your present as we lay the groundwork for a fulfilling future. Whether you envision serene days at home or adventures abroad, our services are tailored to meet your unique vision.
Asset Protection & Growth Strategies
Guarding and expanding your legacy requires meticulous and innovative strategies. Our asset protection and growth services focus on preserving your assets while identifying opportunities for sustainable growth. By employing strategies that help protect against risks and capitalize on market potential, we help ensure your assets continue to thrive, providing for future generations and fulfilling your long-term goals.
Personalized Income Strategies
A robust income strategy is the backbone of financial stability, acting as a foundation for a stable and prosperous future. Our personalized income strategy services encompass every aspect of your financial life, from budgeting and saving to retirement accounts and legacy strategies. With our guidance, you can confidently navigate the complexities of financial management, knowing you have a solid strategy to support your long-term stability and success.
Holistic Retirement Management
In retirement management, no stone should be left unturned. Our holistic approach covers every facet of your financial life, integrating all elements into a cohesive strategy that reflects your financial picture. From risk management to tax optimization, we address each component with precision, helping ensure that all aspects seamlessly support your financial well-being.
Specific Offerings
Guaranteed Lifetime Income Annuities
Transform a portion of your savings into a private pension stream you can’t outlive. Our annuity strategies focus exclusively on income, providing predictable, monthly payments that feel a lot like Social Security—only customized to you. The longer you choose to defer, the higher your guaranteed* lifetime income, giving you flexibility to balance today’s needs with tomorrow’s paycheck. Let us help you design a personal pension that brings confidence to every stage of retirement.
Extended Care Planning
Stay in the comfort of home—on your own terms. Our extended care options combine long term care insurance with innovative home care benefits, so you can preserve independence and lifestyle for years, not months. We structure coverage to pay for professional in home services first, with facility care as a safeguard only if it’s ever needed. The result: a plan designed to protect your assets, relieve family stress, and keep you where you’re happiest.
Tax Advantaged Life Insurance Strategies
Life insurance is more than just a death benefit—it’s a versatile, tax efficient asset. For estate planning, permanent policies transfer wealth to loved ones income tax free, bypassing probate and preserving your legacy. For younger clients, the cash value inside a modern policy can grow tax deferred and be accessed tax free in retirement, creating an additional stream of income backed by the same tax free death benefit. Our agents tailor each policy to meet today’s goals while protecting tomorrow’s possibilities.
* Guaranteed lifetime income available through annuitization or the purchase of an optional lifetime income rider, a benefit for which an annual premium is charged. Annuities are long-term, tax-deferred vehicles designed for retirement and contain some limitations.
Frequently Asked Questions
When should I consider retirement income strategies?
It's helpful to start thinking about retirement income strategies around five years before your planned retirement date. The aim is to determine when you can comfortably retire with sufficient income to support you throughout your retirement.
How do I know I've saved enough?
This is a personal decision. After identifying your monthly income needs, we can help evaluate how your assets might contribute to meeting these needs, including consideration of potential long-term care expenses.
When should I adjust my investment allocations for retirement?
A large drop in asset value close to retirement can affect your outlook. It's often wise to consider options to maintain stability while supporting future income needs.
When should I move my 401(k) from my former employer?
This decision depends on your financial goals and risk tolerance. Some options can support income growth while focusing on preserving the principal.
When should I start receiving Social Security benefits?
Benefits can start as early as 62, but the "Earnings Test" applies until you reach full retirement age, typically 67. It's often best to begin benefits when combined income sources support your desired lifestyle.
When should I start withdrawing from retirement accounts?
It's recommended to begin withdrawals when you have a strategy that combines them effectively with Social Security and/or pensions, helping to support your retirement needs.
When is a Roth conversion beneficial?
Considerations vary, but spreading taxes over several years while potentially accessing tax-advantaged benefits may benefit some individuals.
When should I consider downsizing my home?
Evaluate downsizing based on your financial situation and whether current assets and income can sustain your lifestyle. Each situation is unique.
When should I start preparing for long-term care?
Preparing early is beneficial. Alternative products may address traditional concerns, such as premium increases.
When should I start estate management?
Preparing before you pass away is important to ensure assets are distributed according to your wishes. A trust might be useful in particular situations, like for special needs beneficiaries or structured inheritances.
When it comes to your retirement finances, rest easy
The best time to act is now. Take the next step toward a confident, vibrant future.
Connect with us and schedule your no cost appointment; your new beginning starts with a simple decision today.
