Social Security Planning and Timing
There are 1,279 possible scenarios for social security recipeints. How will you choose the best one? Improper understanding and implementation of benefits could cost a beneficiary up to $100,000 in lost income over their lifetime. We will guide you in maximizing your hard-earned benefits.
College Planning & Maximizing Financial Aid
College Financial Aid laws are complicated and convoluted. One example is that 529 accounts can be viewed as assets, thus reducing funding available to the student. We will reposition assets to increase college aid eligibility
Medicare Supplement Health Products
Reducing Healthcare expenses is a top priority for those 65 and older. Secondary coverage is critical due to medicare gaps, deductibles and limitations. We provide programs to cover the vast majority of these expences.
We will develop an investment model that incorporates balance of risk vs. safety, providing you with a customized program that reflects the ideal investment philosophy for your position in life.
Long-term Care & Medicaid PLanning
Medicaid laws are very complicated. We have partnered with the National Elder Service Association (NESA) to provide the ability to protect a very large ratio of assets from spend down rules by medicaid, should you become subject to long-term care. If a loved one is already in long-term care, we can help protect the remaining assets from further spend down regulations.
Personal Liability and Umbrella Products
We are an independant insurance provider for auto, home, motorcycle, boat and personal liability excess programs, specializing in ages 55 and up. We may be able to save you $500 or more on your insurance programs.
Life insurance is an integral part of one's financial health and wellbeing. We have access to over 25 of the top carriers. We will also explain the pros and cons of both term and permanent life insurance policies and provide what fits best for your unique position
We provide basic advice on the pros and cons of estate planning tools such as wills, various trusts, annuities, taxation and more. Proper estate planning can prevent tax burden on loved ones and maximize wealth transfer to your beneficiary(ies).
Other Service Referrals
As an added value to out clients, we provide referrals to other local business owners who operate under Biblical principles. These businesses provide exceptional service, products and quality work.
We highly recommend Pat's services to anyone in search of a well-grounded hard working individual.
My wife and I see Pat as more than a Financial Advisor, he is a trusted friend. He is first and foremost a caring family man.
Pat started out as the insurance agent for our homeowner’s policy. Soon, we trusted him with our auto and life insurance policies too.
Dell & Patti- (Read More)
Our regret is that we did not turn to Pat with all our assets sooner. After some disastrous experiences with other planners, in which we were ill advised,
we experienced heavy financial losses in the 2008 crash.
The biggest problem came with a previous planner who purposely or inadvertently was not communicating well with us as to our goals.
He was “doing his own thing” risking our investments
when the bottom fell out.