Financial Consulting and Advice for the Other Parts of Your Life, Too

While retirement planning and related investment strategies are primary concerns for many of our clients, we also provide financial consulting and guidance on many other topics including saving for college, insurance topics, and estate planning. Here are some of the areas we consult on:

College Savings

For many families, sending their children to college is every bit as important as planning for their own retirement. Our financial consulting services can help you answer college planning related questions including:

I want to save for my children or grandchildren’s college education. What are the best vehicles for this?
How much should I be saving? And how do I balance this against my own retirement savings needs?
I’ve heard of 529 college saving plans? What are they and should I be using one? If so, which state’s plan makes the most sense?

Insurance Topics

Insurance is an important component of almost every client’s financial life. From health insurance to life insurance, and everything in between, having the right amount – and the right type – of insurance is important. Too little, and you’re unprotected; too much — or the wrong kind, and you’re overpaying . Note: The Retirement Planning Specialists, LLC does not sell insurance; however, we do offer unbiased advice on matters related to insurance. Our financial consulting services can help address these questions, including:

How much insurance should I have?
I think I’m paying too much for my insurance, but how can I tell?
I’ve heard about term insurance vs. whole life or universal life, but don’t completely understand the difference? What kind of insurance, if any, should I have?
Now that I’m retiring should I keep my current life insurance or let it lapse?
Should I be doing something with the cash value I have accumulated in my life insurance policy?
I’ve heard long term care insurance is really expensive. How does it work and does it really make sense for me?
If so, what’s the most cost-effective age to purchase long term care insurance?
There are so many options with long-term care policies – duration, inflation protection, and other riders. What’s right for MY situation?
Medicare Advantage/HMO, Medigap Supplement, Medicare parts A, B and D. It’s all so confusing! What do I need to know as I approach 65?

Financial Consulting and Advice for the Other Parts of Your Life, Too

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