RETIREMENT PLANNING

Everyone has different goals for retirement. At Arko, our mission is to understand those goals and serve our clients well.

Having a reliable income helps ensure that you live the life you want. We help you plan how to achieve a consistent source of income that will allow you to maintain your lifestyle in the future, whether you're working or not.

We often get questions like:

• When should I retire?

• When should I start receiving my Social Security?

• Can I work and receive Social Security?

• When should I buy long-term care insurance?

• Can I enroll in Medicare and still continue to work?

pre-retirement Financial preparation tips:

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Your lifestyle in retirement hinges on your income, and not how much money you have in the bank.

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The more bills you have, the less income is left. If you start paying down what you owe now, you'll have more spending money in retirement.

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Did you know your retirement can get disrupted by taxes? We recommend that everyone consider speaking with a tax expert as they prepare for retirement.

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As we age, it's more likely that a health event might cause a disruption to your lifestyle. We advise our clients to consider long-term care insurance in order to help protect your assets and your loved ones.

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Have you thought about what kind of legacy you want to leave behind? Even if you're older, having life insurance gives you the power to give back to your community and your family.

A guaranteed fixed income annuity can give you pension-like payouts that help you to maintain the lifestyle you’ve earned. And you can start collecting as soon as next month. Don’t worry about spending down your savings. Enjoy the comfort of knowing exactly how much income you get to spend each month.

But what exactly is a fixed income annuity? A fixed annuity is a type of annuity contract that allows for the accumulation of capital on a tax-deferred basis. In exchange for a lump sum of capital, a life insurance company credits the annuity account with a guaranteed fixed interest rate while guaranteeing the principal investment. A fixed annuity can be annuitized to provide the annuitant with a guaranteed income payout for a specified term.

Part of planning for retirement is planning your legacy.

Wills and/or trusts provide levels of security to make sure that your estate is properly distributed after you die. Love is how you stay alive, even after you are gone. Your legacy is a crucial part of your retirement planning. It’s important that you make sure you provide for your funeral, remaining debts, and leave inheritance to those you love or organizations you support. We have a local attorney in which we partner to provide you with a free consultation.

Want to learn more? We also offer quarterly Wills and Trusts Seminars in your local area.

See our Event Calendar for details.

RETIREMENT PLANNING

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ANNUITY OPTIONS

LONG TERM CARE OPTIONS

WILLS AND TRUSTS

CARRIERS WE WORK WITH:

We'll help you navigate retirement planning. Contact us today for a consultation.