Solomon Islands Finance

Jan 31 2018

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WealthcareFinancial Group, Inc.

Martin A. Smith, President, CRPC ®. AIFA ®

Sam Simman, Chartered Financial
Analyst (CFA)

Schedule A Consultation To Receive A Free Wealthcare Financial Plan™

Like our tag line says, Together For Your Retirement™ , we believe in working WITH you to help you achieve your goals. We don t just give you a financial planning questionnaire to fill out and later provide you with a 100+ page comprehensive financial planning report. I am a big believer in the teach a person how to fish idea!
Therefore, YOU are going to be in the driver s seat. We will email a link to our proprietary financial planning software. An interactive wizard will walk you through every module of the software based on your unique financial profile. If you need advance estate planning, or need to determine your current or future expenses based on your income now, or after you retire, our software can accommodate you.
There is no rush to complete the online questionnaire, you will have the flexibility to save your work and resume the completion of your financial plan when it is convenient for you. Oh, and did I mention that this service is FREE?

Contact Martin A. Smith, CPRC®, AIFA®

Would you like to schedule a free consultation to discuss your financial and retirement planning needs, or to have us prepare a complimentary financial plan, portfolio review comparative investment analysis for you, please feel free to contact me , or call at (240) 482-3752.

Free Consultation Retirement Planning

Clients new to our firm receive assistance with retirement planning; which also includes a free financial plan, portfolio review and a comparative investment analysis.
These complimentary retirement planning services comprise the core value of our wealth management and investment advisory solutions. To get started, we will email an access link to login to our proprietary retirement planning software. We will monitor your progress with inputting answers to the questions about your income needs, budget, debt, assets, investments, beneficiaries, insurance, etc.

What You Will Receive From Us

The finished product that you will receive is a comprehensive retirement analysis that we will use to customize a retirement program for you, to accomplish the following:

Managing Retirement Assets (401K, IRA, Roth, SEP, Pension)
Social Security Income Planning and Timing of Distribution
Estate Planning (Living Will, Trusts, Charitable Giving)
Insurance Review Recommendation (Life, Long Term Care, Annuity Review if Appropriate)
Acquisition and Disposition of Real Estate (Residential and Commercial Consulting)
Building Wealth and Tax Free Income with Required Minimum Distributions (RMD)

Contact Martin A. Smith, CPRC®, AIFA®

Would you like to schedule a free consultation to discuss your financial and retirement planning needs, or to have us prepare a complimentary financial plan, portfolio review comparative investment analysis for you, please feel free to contact me , or call at (240) 482-3752.

Helping You Determine What Your Insurance Needs Are

Building Wealth and Tax Free Income With Life Insurance

Structured correctly, the right life insurance policy can provide three primary benefits: 1) tax deferred growth 2) tax free withdrawals 3) enhance the value of your estate with tax free payout (i.e. death benefit) options. Many people overlook the importance of life insurance as a solution that accomplishes more than income replacement. If used properly, life insurance can provide a financial legacy that continues to grow and serve as a well spring of wealth that can last for generations.

Use Equity Index Annuities for Tax Deferred Growth and to Provide Guaranteed Income

For someone who needs market growth/appreciation, but doesn t want to risk losing their investment dollars to the wiles and whims of the stock market, perhaps an Equity Index Annuity (EIA) may be the right solution for you. Unlike their expensive sister products known as Variable Annuities , many EIAs do not carry an Expense Ratio because the underlying investment is not a mutual fund. However, similar to variable annuities, EIAs do offer guaranteed income Riders, a death benefit payout option, tax deferred growth, guaranteed minimum compound interest rates (which is usually tied to the income payout option ) and locked in high water mark gains on the anniversary date. For the EIAs with an underlying expense, the total expenses usually range from 0.50% 1.25%. Again, there are annuities that do not have an annual expense. Finally, unlike Variable Annuities, the gains which can be generated by some EIAs are capped on a daily, monthly or annual basis (usually these are options that the Annuitant may select).

Preserve The Value Of Your Portfolio and Estate With Long Term Care Insurance

According to Genworth, the average monthly cost of Nursing Home (in a private room) care is $7,698. The average monthly cost of Home Health Aide is $3,861. The average monthly cost of Adult Day Care is: $1,473 and the average monthly cost of an Assisted Living Facility is $3,628. Compute any of those numbers by 12, then divide that number by the total value of every penny that you have saved and the result will give you the number of years that you can afford to pay out of pocket for a Nursing Home, Home Health Aide, Adult Day Care, or an Assisted Living Facility. Simply put, a Long Term Care policy can greatly reduce the out of pocket expense of paying for care .

Contact Martin A. Smith, CPRC®, AIFA®

Would you like to schedule a free consultation to discuss your financial and retirement planning needs, or to have us prepare a complimentary financial plan, portfolio review comparative investment analysis for you, please feel free to contact me , or call at (240) 482-3752.

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