Financial Independence Planning

Retirement Planning

The 2014 Retirement Confidence Survey found that only 18% of workers are very confident they will have enough money in retirement, and 65% of workers plan to work for pay after they retire.1 Further, 64% of workers and their spouses reported they have saved for retirement – a decline from 75% reported in 2009.1 And the percentage of workers currently saving for retirement has declined from 65% in 2009 to 57% in 20141 .

To help guide you toward retirement income security, we offer:

  • Education funding strategies
  • Insurance portfolio reviews
  • Needs assessment
  • Retirement income modeling
  • Benefits analysis
  • Distribution options

Contingency Planning

The probability that you or your spouse will require home health care or nursing home assistance, or suffer a disabling injury or illness is greater than you might think. 

Consider these facts:

  • 70% of people turning age 65 can expect to use some form of long-term care during their lives.2
  • 50% of people who enter a care situation are penniless within one year.3
  • 18.6 million Americans suffered medically consulted injuries – 4.8 million on the job and 13.8 off the job.4
  • A medically consulted injury occurs every 3 seconds in public places (excluding motor vehicle injuries, which occur every 7 seconds).

If you have assets to preserve, then long-term care insurance and disability income insurance should be considered, because protecting against these potentially catastrophic costs is an essential part of astute financial planning.



 Employee Benefit Research Institute and Matthew Greenwald Associates, Inc. “2014 Retirement Confidence Survey.”

2 Medicare and You 2015,, 2015.

3 Some Thought-Provoking Long-Term Care Statistics,, cited as of 7/28/2015.

4 National Safety Council, “Injury Facts,” 2015 edition.