Personal Planning

Whether you are single or married, with children or without, the experts at 21st Century Retirement Solutions can help guide you towards long-term financial success and security through a variety of means, including:

• Estate Planning
• Retirement Planning
• Long-Term Care Insurance Planning
• Life Insurance
• Disability Income Planning
• College Tuition Planning

ESTATE PLANNING

Having a will is just the beginning of a sound estate plan. Your 21st Century Retirement Solutions Associate will work with you and your tax and legal advisors to explore a whole host of instruments to help your survivors avoid probate, minimize estate taxes and maximize the benefits of the wealth you've worked so hard to accumulate over your lifetime. Consult an attorney, tax attorney, or CPA for advice on specific legal tax matters.

RETIREMENT PLANNING

With Americans living longer than ever, many people can look forward to many years well beyond age 65. The quality of that life and the options you will enjoy depend on how well you plan today to accumulate the resources necessary to support a comfortable retirement. A 21st Century Retirement Solutions professional can work with you to develop a plan that helps provide for a comfortable retirement while allowing you to also enjoy the present.

LONG-TERM CARE INSURANCE PLANNING

As America's population ages, so does the need for long-term care for the elderly. Whether you're concerned about financing quality long-term care for yourself or for a loved one, A 21st Century Retirement Solutions Associate can help you choose the insurance policy that will help provide the funds you may need to cover long-term medical and/or nursing home expenses.

LIFE INSURANCE

If you have a family, life insurance should be the cornerstone of your personal financial plan. A 21st Century Retirement Solutions Associate will work with you to determine the kind of coverage that best suits your needs at the best possible price, to help your loved ones remain financially secure even if you can't be there to provide for them.

DISABILITY INCOME INSURANCE

Studies reveal that people under age 65 have a one-in-three chance of becoming disabled for 90 days or more at least once in their lifetime.

• Disability income insurance can help protect a portion of your income in the event you become disabled and are unable to earn your current income.

Let A 21st Century Retirement Solutions Associate help you find the disability income insurance policy that best suits your income and lifestyle requirements at a price that complements your overall financial plan.

• Commissioner's Disability Table A, Society of Actuaries, 1985. Chances of disability occurring before age 65 and lasting longer than 90 days.

COLLEGE TUITION PLANNING

With the cost of an average four-year college education now topping $100,000, families must plan years in advance to finance their children's education properly. A 21st Century Retirement Solutions Associate will work with you to develop a plan that is designed to help you pay for the school of your children's choice.

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