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Asset Care Return of Premium

Asset Care Return of Premium

Most people are not familiar with asset-based Long-Term Care (LTC), so they need to know they can reallocate a portion of assets (not needed for current income) into this type of option. When doing so, they create a tax-free income for an extended stay event/LTC that will never be impacted by any future market conditions. Also, if they never need it, it is passed on to the beneficiaries in the form of a death benefit, which is tax-free as well.


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Important Facts

Important Facts

• 70% of adults turning 65 today will need long-term care services.
• One-third of today’s 65-year-olds may never need long-term care support, but of that third, 20% will need support for more than five years.

• On average, women need care longer (3.7 years) than men (2.2 years).

• The national annual median costs of care ranges from more than $20,280 a year for five-days-a-week adult day care healthcare services to more than $108,000 a year for a private room in a nursing home. 

• Medicare only covers up to 100 days of care in a skilled nursing facility.

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Personalized Intelligent Investing for a Better Tomorrow

It never costs anything to talk!

Call Dave at (317) 809-0159

Specializing in working with Teachers and other 403(b) retirement professionals in the

Greater Indianapolis Area

403(bplan is a retirement account for certain employees of public schools and tax-exempt organizations.

Participants include teachers, school administrators, professors, government employees, nurses, doctors, and librarians.

Working toward your goals, side by side.

Financial decisions simplified. Objective advice and clear explanations serving all your financial needs.

  • Retirement

    You’ve worked hard for years and want to enjoy the rewards of retirement. We’ll help create a plan including pension, Social Security, and your complete financial picture.

  • Insurance

    Protect your family from life’s expected and unexpected events. We can design the right insurance strategy for every stage of your life.

  • Investments

    With personalized attention to your needs, we can guide you toward investments aligned with your values and goals.

  • Lifestyle

    Customized financial guidance to help you reach the goals that matter most to you and your family.

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Curated articles, videos, and more, for a financially savvier you.

Focused on Your Future

You have served others with dedication throughout your career. As retirement nears, you shouldn’t need to face retirement and pension decisions alone. That’s where we come in, as a partner and guide to help you navigate decisions that will affect your way of life in retirement and that of your family in the years ahead. Decisions today can have a huge impact on your future circumstances. We strive to uphold a fiduciary standard in our advisory relationships. We aim to act in your best interest at all times; we work to help you make the most of your current resources in order to pursue your best possible future outcome.
 
We take the time to meet with you personally, get to know your goals and life circumstances, and build a retirement or financial plan to suit your values and individual needs. It doesn’t cost a thing to have a conversation. Find out how I can help you get a better understanding of your financial picture and better control of your future. Call Dave at (317) 809-0159.

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A Checklist for When a Spouse or Parent Passes

A Checklist for When a Spouse or Parent Passes

An overview of some fundamental steps when a loved one passes.
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Healthcare Costs in Retirement

Healthcare Costs in Retirement

Without a solid approach, health care expenses may add up quickly and potentially alter your spending.
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Understanding the Basics of Medigap Policies

Understanding the Basics of Medigap Policies

Important as it is, Medicare does not cover the full range of health-care expenses you may experience in your golden years.
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Pay Yourself First

Pay Yourself First

It sounds simple, but paying yourself first can really pay off.
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