At Alliance Financial, we help our clients work toward their most important financial and retirement goals. Our financial professionals combine decades of collective knowledge to help protect our clients and their families through life’s many changing events.
Retirement Income Strategies
When employment income stops, ideally it is replaced with other sources, such as pensions, Social Security, and investments. Retirees usually control when to start these income sources and decide from which investment account to withdraw funds. Different accounts may have different tax treatments. Having the right types of accounts such as IRA, Roth IRA, and Non-Qualified Accounts, can have a drastic impact on how long your money lasts. Alliance Financial helps retirees explore strategies to maximize income and create income that cannot be outlived.
Social Security Maximization
Make the wrong decision and a retiree can leave thousands of dollars on the table, if not more. Many retirees are not aware that their Social Security may be subject to federal and, in some states, state income tax. Alliance Financial helps our clients determine the best time to apply for Social Security benefits, which benefits they are eligible for, and help them navigate the rules governing the program’s payouts.
Life Insurance
Life insurance can be an important part of your financial strategy. That’s because a life insurance policy can help you ensure that your loved ones have a secure financial future after you pass away. Not only can life insurance help cover your final expenses, but it can also provide your family with a financial safety net by helping to replace your income or serving as an inheritance for a loved one.
Long-Term Care
Long-term care can be an emotionally charged topic. It’s not exactly something you want to talk about at the dinner table. After all, no one wants to think about themselves or their loved ones being incapable of living on their own. But if you want to make a smart financial decision and protect your nest egg, long-term care is a must.
Legacy Planning
Your legacy is important. We believe creating a legacy plan plays an important role in protecting your family and accomplishing your goals. A well-designed strategy ensures you have taken the necessary measures to protect and honor your loved ones.
Annuities for Retirement Income
Guaranteed income products can shift some key retirement risks — longevity and market risk — off your shoulders and onto the issuing insurance company. When putting together a retirement income strategy, you shift the risk of outliving your income to the insurer, who promises to pay you a certain amount of income for either a pre-determined period of time or the rest of your life.
Fixed Index Annuities
Fixed index annuities can help you accumulate money for retirement and provide guaranteed income after you retire. A fixed index annuity may be a good choice if you want the opportunity to earn index-linked interest, but don’t want to risk losing money in the market.
Life Settlements
A life settlement is the sale of an existing life insurance policy (typically by seniors) for more than its cash surrender value but less than its net death benefit. In certain cases, the proceeds may be tax-advantaged and can be used for retirement, to pay medical bills, or to fund long-term care. Instead of lapsing or surrendering the policy, selling the policy enables the policy owner to tap into the market value of the policy, which is on average four times more than the cash surrender value.
Mobile Notary & Signing Services
A Notary Signing Agent is a duly commissioned or appointed Notary Public trained to present loan documents to a borrower and perform any necessary notarizations. In addition, we offer mobile notary services for power of attorney, trusts, titles/bill of sales, marriage licenses, etc.
Retirement Income Strategies
in Arizona and California.
Take the next step in your retirement journey with Alliance Financial. Sign up for a complimentary retirement
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