SERVICES

Financial Planning

I believe that life is more than a paycheck and my mission is to ease your worries and help you create a sound and stable financial strategy for your retirement.

As Part of the Sterling Wealth Insurance process, I will help you create a retirement income plan that balances:

Daily Living Expenses
Budgeting for Luxuries & Quality of Life
Planning your Social Security Benefits for Maximum Results (Social Security can add $1M to your retirement fund)
Factoring in Pensions Withdrawal Strategies
Factoring in both Expected & Unexpected Medical Expenses
Planning for the Unexpected and the Inevitable

Are you seeking guaranteed retirement income or looking for an additional tax-advantaged way to save for retirement?

I have a broad selection of retirement annuity products designed to help fit your needs. As a highly trained professional I am ready to guide you and help you feel confident you're making the most suitable retirement planning decisions. I can review your current annuity to see if there is a more suitable lower-cost option available that might provide you with more competitive rates.

QUALITY PRODUCTS FROM EXCEPTIONAL COMPANIES:

Accordia Life - Lincoln Financial - North American - Great American

Allianz - Baltimore Life - American Equity - Equitrust

Insurance

Critical Illness is an insurance product developed to help consumers cover expenses associated with critical illness.

This specialized insurance provides a lump-sum, tax-free payment should a policyholder suffer from certain specific critical conditions. Some 600,000 Americans now have this protection purchased on an individual basis or through a plan offered by their employer.

If you fall and break your arm, accident insurance could provide a one-time cash payment to help with co-pays you might incur for treatment.

If a broken arm meant that you could not work, you could file a claim for short-term disability benefits in order to begin receiving weekly replacement income. Although there is a distinct difference between the two types of coverage, they can certainly complement each other in the case of a covered injury.

With the right life insurance coverage, you can be confident knowing that your loved ones will be able to live out their dreams, no matter what the future holds.

We do everything we can for our loved ones, not because we have to, but because we want to. If you're looking for affordable life insurance coverage for a specific period of time, term life insurance may be right for you. Permanent life insurance offers many different options and you can find the right guarantees, flexibility and cash value options to fit your needs.

Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and support.

This includes personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating.