Your Dreams Matter.
At Financial Investment Services we believe everyone should be able to live the retirement they’ve always wanted. Our team of professionals can help you create a well-thought-out strategy, using a variety of retirement and insurance products and services, to help you address your financial needs and concerns.
Preparing for retirement should create excitement, not concern.
Yet for many, that’s not necessarily the case.
According to a recent study, 60 percent of pre-retirees do not have a plan for how much money they will spend each year in retirement and where that money will come from. (1)
Additionally, three in four Americans remain highly anxious about their overall retirement outlook.(2)
That’s where we come in.
We use insurance products, such as fixed annuities, and a variety of insurance products to help you build financial strategies. We’ll cover as many bases as possible to help you create a strategy that supports your retirement lifestyle and long-term financial goals.
At Financial Investment Services, we can offer you the following products and services:
Financial Services
Our financial planning process is a thorough, yet simple way for you to take the first step toward reaching your financial goals. Throughout our process, we can help develop customized financial strategies that can turn your goals into reality.
- We identify the values and beliefs most important to you and your family.
- We establish a clear set of short & long-term financial goals based on your values & beliefs.
- Together, with your tax, legal and other professional advisors, we compare financial alternatives and develop recommendations that work towards achieving your financial goals.
A well rounded financial plan examines your total financial picture: your current financial position, risk management, investment planning, retirement planning, tax planning, and estate planning. Your most valuable asset is time. The sooner you begin to plan for your financial future, the better your chances of achieving your goals.
Some of our Financial Services include the following, but not limited to:
- 403B / 457 Not for Profit Set Up
- 403B / TSA Plans
- Annuities
- Asset Protection
- Charitable Giving
- College Funding
- Deferred Income Annuity
- Estate Strategies
- Fixed Indexed Annuities
- Guaranteed Income
- Immediate Annuity
- Income Strategies
- IRA & 401(K) Assets and Strategies
- IRA, 401(K) and 403(B) Rollovers
- IRA Legacy Planning
- Legacy Planning
- Lifetime Income Strategies
- Probate
- Retirement Income Strategies
- Safe Money Options
- Social Security
- Tax Advisory
- Tax-Efficient Strategies
- Tax Strategies
- Wealth Strategies
- Wills, Trusts, Estates
Insurance Services
Some retirees underestimate the impact a big market loss may have on the future of their income. Luckily, insurance can be used to protect more than just your physical assets. It can also be used to help protect your future. Our firm specializes in helping individuals safeguard their retirement nest eggs by offering a variety of insurance products and financial planning strategies.
Some of our Insurance Services include the following, but not limited to:
- Accident Insurance
- Annuities
- Critical Illness Insurance
- Dental Insurance
- Disability Insurance
- Final Expense Life Insurance
- Fixed Indexed Annuities
- Funeral Trust Insurance
- Homeowners Insurance
- Indexed Universal Life Insurance
- Life Insurance
- Living Benefits Insurance
- Long Term Care Insurance
- Medicaid Crisis Planning
- Medicare Insurance
- Medicare Supplemental Insurance
- Mortgage Protection Insurance
- Short Term Major Medical Insurance
- Vision Insurance
Legacy Planning
It is important to ensure your hard-earned assets go to your beneficiaries in the most tax-efficient manner. By working collaboratively with a qualified estate planning attorney, our goal will be to help you:
- Maximize your estate and income tax planning opportunities
- Protect any assets in trust and ensure they are distributed to your beneficiaries probate free
- Prevent your IRA and qualified accounts from becoming fully taxable to your beneficiaries upon your death
Retirement Planning
We take the time to get to know each of our clients. When it comes to retirement, we seek to answer the following five questions:
- What do you visualize yourself doing on your journey through your golden years?
- How are you going to position your life savings to provide funding for your vision?
- How can we position those assets in a way that provides you confidence and peace of mind?
- What are you going to do when and if the unexpected happens?
- What will happen to your assets when it’s time for you to pass on?
WHAT IS AN ANNUITY?
An annuity is a contract in which an insurance company makes a series of income payments at a regular intervals in return for a premiums you have paid. Annuities are generally bought for future retirement income. Any annuity is the ONLY vehicle that can guarantee to pay an income to last as long as you live. Annuities are neither health nor life insurance policies. They are not savings accounts nor savings certificates. You should not buy an annuity to reach a short-term goal.
The value in an annuity the premiums you’ve paid, less any applicable charges, plus interest credited. The insurance company uses the value to figure the amount of most of the benefits that you can choose to receive from an annuity contract. Their are many types of annuities as well as ways to fund them. Finding an annuity product that is right for you and your situation and goals can be overwhelming. Contact an annuity professional to help assist you and making you retirement goals happen.
Annuities are also used for growth and accumulation, because they are not always used for Income.
Fixed- Index Annuities
Growth
Fixed index annuities provide a wonderful safe growth opportunity thru the performance of certain indices. Some examples of indices are the S&P 500, the NASDAQ, the Dow Jones Industrial, Barclays, Morningstar, or Janus.
Death Benefit
Upon the death of the contract owner, the accumulated value will be disbursed directly to the designated beneficiary and can avoid probate.
Life Time Income
A Fixed index annuity can provide you with financial security, peace of mind, and a steady flow of income until death. When set up correctly can provide lifetime income for a spouse as well. How is that for Safety and Peace of mind!
Safety
A fixed Index annuity is one of the safest vehicles you can choose to grow your money . It allows your money to participate in the gains of the market without the downside.
Multi-Year Guarantee Annuities
Growth
Multi -Year Guarantee annuities are made for growth. They allow you to “bank” on the fixed rate that you can count on for a set number of years to help you achieve a desire goal. When planning retirement, although still modest in regards to the stock market numbers, a multiyear guarantee annuity is a safe vehicle of growth for your retirement dollars.
Death Benefit
In some annuities, upon the death of the contract owner, the accumulated value will be paid out as a death benefit to the designated beneficiary and can avoid probate.
Life Time Income
An annuity can provide you with financial security, peace of mind, and a steady flow of income until death of the contract owner. When set up correctly can also provide life time income for a spouse.
Safety
A multi -year guarantee annuity is a fixed rate annuity in which you earn a fixed rate of interest of a specified amount of time, much like a bank CD.
Immediate Annuities
An Immediate annuity is usually a one-time lump sum premium payment, in exchange, you begin to receive an income soon there after, normally within 12 months.. This type of annuity guarantees a fixed income for specified period of time or for the rest of your life, but you do not have the option to invest or spend your money in another way. An Immediate annuity is NOT for everyone and is generally for special cases.
Please consult with your advisor to see if this annuity meets your needs.
Any remaining accumulation value will go directly to a designated beneficiary upon death of the contract owner.
All other types of annuities are known as deferred annuities, which begin income payments MANY years after the initial premium payment.
Variable Annuities
Growth
Market risk to the Principal and there are high fees associated with the accounts usually averaging 4%.
Death Benefit
Upon death of the contract owner , the accumulation value will be disbursed directly o the designated beneficiary, however in a variable annuity , there may be taxes.
Lifetime Income
A variable annuity is just that, VARIABLE. The amounts that you will receive are varied based on how you invested the premiums. How longs the funds last and how they are accessed fees vary as well. Please consult with your advisor to see if this product is right for you.
Safety
There is NO safety net in a Variable annuity. If you chose the “investment route” your money is subject to market risk, positive or negative.
We offer services in these three areas:
Grow
Prepare for retirement by putting your hard-earned assets to work.
HOW?
403B / 457 Not for Profit Set Up
403B / TSA Plans
Annuities
Asset Protection
Fixed Indexed Annuities
Guaranteed Income
Income Strategies
IRA & 401(K) Assets and Strategies
IRA, 401(K) and 403(B) Rollovers
IRA Legacy Strategies
Legacy Strategies
Lifetime Income Strategies
Preserve
Protect the assets that can help you live the retirement you’ve always imagined.
HOW?
Asset Protection Strategies
Life Insurance
Tax-Efficient Strategies
Long-Term Care Strategies
Retirement Income Strategies
Safe Money Options
Social Security
Tax-Efficient Strategies
Tax Planning Strategies
Give
Provide for the people and causes you care about the most.
HOW?
Charitable Giving
Estate Planning
Health Insurance
Life Insurance
Living Benefits Insurance
Long Term Care Insurance
Medicare Insurance
Medicare Supplemental Insurance
Ready To Take
THE NEXT STEP?
For more information about any of our products and services, schedule a meeting today.
Or give us a call at (504) 339-8762