Retirement Made Easy

AffordaCare Insurance clients now receive complimentary retirement consulting.

Retirement Plan Overview

1

Understand Your Financial Situation

Your dedicated fiduciary will gather a 360 degree view of your family’s current financial situation and any other relevant timeline information e.g. when your spouse plans on retiring, or when your kids plan on attending college.
2

Learn About Your Goals

A retirement plan is useless if it doesn’t align with your goals. Understanding your priorities and vision for the future is paramount to crafting a plan that fulfills what you want to accomplish during retirement.
3

A Customized Plan

Your fiduciary will build a plan that fits you and your family’s priorities, needs, and budget. Then, we will review and adjust along the way to ensure that your goals will match the income that you need.

You've spent your entire life working for money. Now it's time for your money to work for you.

Learn More

Frequently Asked Questions

What's a Fiduciary?

As defined by Investopedia:

A fiduciary is a person or organization that acts on behalf of another person or persons, putting their clients’ interests ahead of their own, with a duty to preserve good faith and trust. Being a fiduciary thus requires being bound both legally and ethically to act in the other’s best interests.

What's the difference between a Fiduciary and a Financial Advisor?

A Financial Advisor is a general term that encompasses various professionals offering financial advice, while a Fiduciary is a subset of Financial Advisors who are legally obligated to act in their clients’ best interests.

If an Financial Advisor is a broker, which the majority of Financial Advisors are, they receive a commission based on the products that they sell and the investments they recommend.

Unfortunately, there are less than 13,000 Fiduciaries total in the US. Surprising, right?

Are there any fees?

For Affordacare clients, no. We cover the cost.

For non-clients, yes there is a $3,500 plan management fee.

Learn More

”Only 14% of baby boomers are 'very confident' that they will be able to fully retire with a comfortable lifestyle.

TransamericaCenter for Retirement Studies
Retirement

Questions you need to be asking

1

Tax Implications

Does your current plan take taxation into account?
Understand taxable (and non-taxable) events to avoid unnecessary tax penalties. Reducing your tax rate by 10% is the same as your portfolio gaining an extra 10%.
2

Access To Your Portfolio

How much of your portfolio do you have access to? Certain vehicles have limits on how much money you can withdraw, and when - others mandate that you must withdraw to avoid a penalty.
3

Probate Avoidance

Does your current plan avoid probate? Or will the inheritance that you leave to your beneficiary be taxed? Not all vehicles are taxed the same, and proper planning can avoid unnecessary, and sometimes all, tax.
4

Loss Protection

Is there a floor on your account where your principal and interest are protected? Most retirement accounts do not offer a 0% floor. There are products that can never lose a penny of your principle or interest due to imminent stock market losses.
5

Medical Emergencies

What happens to your account in the event of a medical emergency? Or you or your spouse are confined to a nursing home? With the right plan, long term care and critical illness protection can be easily included.
6

A Specialist At Your Side

Who are you working with? Consider if they're financial advisor that gets paid commission or a fiduciary. Our team of fiduciaries will give you all the benefits that you just read about and never lose a penny of your money ever!

Let’s Get Started

Take control of your retirement

Fill out the form below and begin working with an AffordaCare fiduciary. As an existing client, we provide this service to you. Your fiduciary will never ask you for a fee.