At The Anselmo Group, we design a plan that can include investing, financial planning, and insurance, to make sure that you have all of your bases covered from now until you retire - and beyond - for your family.
Life Insurance
Life insurance is needed need to protect the ones that you love if you no longer are here to take care of your family or to pass on your financial legacy tax free.
- What type of life insurance do I need? There are so many!
- How much do I need?
- How long do I need this insurance?
These are the types of questions that will get answered when we get together for a first visit.
Annuities
The purpose of an annuity is twofold: 1. Lifetime Income and 2. Tax Deferral.
Annuities are offered in any forms: Fixed, Indexed, Variable, and mixtures of these options.
The purpose of our visit is to sit down and discuss the purpose is this annuity.
- What kind do you need?
- How long do you need it?
- How much to invest to create income for the rest of your life?
There are many questions that need to be answered in the initial fact-finding visit.
Investments
Investments are money deposited in money vehicles for immediate needs, short term needs, middle and long-term needs.
Your portfolio should vary to meet all your financial needs.
Some decisions we will make together is to deposit money into stocks, bonds, mutual funds, ETFs, RIETs, etc.
In our meeting will talk together to define your goals and lay out a program to meet these goals for your financial success.
Long Term Care
Long term care is an insurance that you need to protect the portfolio that you have so that your heirs are not left with your debts or funds to take care of you when you (or no one else) can care for you.
Long term care insurance does not mean a nursing home. Long term care allows you to stay in your own home to maintain the dignity that you deserve. It creates extra monthly income to help pay for those people to help care for you either at home or in a facility. Long term care also gives funds to have someone relieve the spouse or family care giver so that they don’t have to do the job all by themselves 24/7.
Long term care is an Insurance that will pay when you can no longer do five of the daily living activities: dressing, bathing, feeding, toileting, ambulation or if Alzheimer’s consumes your life.
Estate Planning
Estate planning is a most important step for your heirs. Saving money, court costs, lawyer fees, taxes, is the goal of The Anselmo Group. Through your Will and Testament, the plan of distribution is clear to all left behind. One of our goals is to get clients the best return possible safely, to take away as many taxes as possible, and to get the estate to the heirs with as little succession and probate as possible.
Life Transitions
The Anselmo Group can assist you in all of life’s transitions:
- The birth of a child
- A spouse or love one dies
- A change of jobs
- Starting a business
- Retiring from a business
- Rolling your 401lk
- Starting a 401lk
- Getting married
- Getting divorced
- Graduation
- Moving cities or states
Social Security Planning
When Should I begin taking my Social Security?
What is the Advantage of waiting to take my Social Security?
How will my Social Security be taxed?
Will my spouse get my Social Security if I pass away?
When should I begin Medicare benefits?
What happens if I wait to take my Medicare benefits after the qualifying age?
These are some of the questions that will be answered when we have our meeting.