Security First Retirement Solutions

Build Your Retirement With Security First

Retirement Services to Fit Your Needs

Whether you need to create an income stream in retirement, make decisions about Social Security, source a life insurance policy, or leave a legacy to loved ones, Security First is here to help.

Retirement Income Planning

If you are like many people, you have worked and saved for decades in hopes that you will have enough retire someday. If you are a pre-retiree, you might be wondering what to do with your savings and how your income streams will come together to support you in retirement. We can help decipher the various income streams available to you and identify the gaps. We can then offer strategies to help fill those gaps, possibly creating a guaranteed* income stream you can’t outlive.

Social Security Maximization

You’ve done your part and contributed to Social Security throughout your working life. When the time comes to cash in on those benefits, the various options and deadlines can feel overwhelming. We pride ourselves on staying current on the latest Social Security options and deadlines so we can help guide clients based on their unique circumstances. Benefit amounts can vary greatly depending on marital status and whether you decide to take early, on-time or delayed benefits. Getting up-to-date guidance can potentially impact your budget’s bottom-line in retirement.

Life Insurance

Life insurance is a financial safety net that many people choose to purchase so that in the event of an untimely death, loved ones and other beneficiaries are left with resources. Often, parents will obtain life insurance to provide for a spouse and children, or pay off a mortgage or other debts. Life insurance is often used in a business to help with continuation planning in case the owner or a key employee passes away. We can help explain the various policies available and find options suitable to your situation and budget.

Tax Minimization Strategies

Taxes can feel overwhelming and complicated to many people. The government rules seem to change often, leaving some wondering if they are overpaying or underpaying. While we are not tax professionals, we do offer insurance strategies that could potentially minimize tax burdens in retirement. Taxes in retirement is an issue many retirees keep an eye on, as during this phase of life retirees budget based on their limited income streams. We can explore your situation to see if tax minimization strategies could help your bottom line.

Annuities

Annuities are an insurance product that usually offer the purchaser some protection from market risk and a guaranteed income stream. Annuities come in many varieties. It’s important to work with a knowledgeable insurance professional who can guide you to the right annuity that suits your unique financial situation and goals.

Legacy Planning

Legacy Planning is the intentional process of thinking through and documenting how you want to leave assets and possessions to your beneficiaries—usually loved ones, family members for even a favorite charity or cause. It often involves making sure beneficiaries are correct on financial accounts, purchasing life insurance, and consulting with an attorney for help with drawing up wills, trusts, and power of attorney documents. We also partner with other professionals and make referrals to CPAs and attorneys for more complex planning needs. We can specifically help clients incorporate life insurance into their planning as well.

5 Simple Steps to a Successful Retirement: Make Your Retirement a Blockbuster

5 Simple Steps to a Successful Retirement: Make Your Retirement a Blockbuster

Do you have doubts about your ability to reach your retirement goals? Are you less than confident about certain aspects of your retirement strategy? Here’s the good news…there’s always time to adjust your plan and get back on track. You can take your retirement strategy from flop to blockbuster with these simple strategies.

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