Term & Whole Life
There’s much more to life insurance than money. We offer all types of Life Insurance plans with flexible coverage and prices that fit your family’s needs, budget, and legacy. Life is predictable so life insurance needs change over time.
Schedule an appointment to see how much life insurance is appropriate for you!
Legacy and Estate Planning Strategies
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Each person has a vision for their life and the legacy they wish to leave behind. The best way to ensure your matters are handled according to your wishes is through estate planning.
You need a current Healthcare Power of Attorney and General Durable Power of Attorney to avoid probate as much as possible if not completely.
Retirement Income Strategies
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Worried about outliving your money?
Your retirement is well-deserved, but making the most of it requires some careful planning.
Receive insights and guidance every step of the way to retirement at Wise Choices Financial.
Annuities
Fixed & Indexed Annuities
Annuities come in many shapes and sizes. This insurance product is geared toward consumers looking for growth, protection, income or a combination of the three. In general, an annuity is a contract in which an insurance company makes a series of income payments at regular intervals in return for a premium(s) you have paid. All annuity types function differently so we make sure that you understand which type they are buying and how it aligns with your retirement and money goals.
IRA/401(k) Rollovers
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The term IRA or 401(k) is referencing the tax treatment of the respective account. These, and others, are known as “Tax-Qualified Plans”. This means the account holder receives a tax deduction when funds are placed or invested in the account. Funds held within a Tax Qualified Plan may be placed in different types of accounts such as CD’s, Money Market Accounts, Savings accounts, Stocks, Bonds, Mutual Funds, Exchange Traded Funds, Precious Metals, Annuities and even in Real Estate.
Other types of Tax Qualified Plans are 403B, 457, 401A, SEP, SIMPLE, Solo 401(k), etc.
Tax-Efficient Income Strategies
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Create a stream of non-taxable income. Legally pay the lowest possible amount of income tax.
Disability Insurance
Short and Long Term
Disability insurance provides income to people who are unable to work due to an accident or illness. Select a plan to protect you, your dependents, and your assets.
Long Term Care Insurance
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The best time to buy long term care insurance is well before you need it. Which of the 5 methods of funding Long-Term-Care costs is right for you?
Business Succession Planning
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Is it possible for your business to become debt free? Can you self-fund expansion and asset purchases? Will you have the peace of mind knowing who will take over your business and how it will be funded when you decide to enjoy some free time? The answer can be yes with our Business Succession plans.
Legal Insurance Plans
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24-hour access to attorneys.
Final Expense Insurance
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Average funeral costs exceed $5,000. Put a plan in place that honors you and provides comfort for your loved ones.
Identity Theft & Recovery Plans
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Identity Recovery Coverage combines identity theft insurance with services that help victims restore their credit history and identity records to pre-theft status. Such restoration can take hours of time and thousands of dollars.
Our plans assign a dedicated case worker to your case who goes through the steps on your behalf to get your identity restored and covers reimbursement of related expenses up to $1,000,000. This applies to financial ID theft, Tax Id theft, and equally important Medical ID theft. It will also work if you have a re-occurrence of ID theft after your Identity is restored.