Plot your Life-Long Insurance Needs

Under 26 Years Old

Under 26, does your job cover your health care? If not this is the time to find your own health insurance, maternity insurance, accident insurance or other insurance depending on your situation.

Thinking of starting family?  This is a good time for life insurance, you are young and healthy the cost will be low but will protect your family if something unexpected occurs.

It is always a good time to save for your future. Create your own tax free cash account, so some day you can borrow interest and tax free from yourself for that new car.

Possible Needs:

  • Health Insurance
  • Insurance base savings plan

Ages 26 – 35 Years Old

Thinking of starting family, or already have?  Now is a good time for life insurance, you are young and healthy the cost will be low but will protect your family if something unexpected occurs. Finally, now if good time to start saving for your future. Create your own tax free cash account, so some day you can borrow interest and tax free from yourself for that new car. You may also be ready to start saving for college.

Possible Needs:

  • Health Insurance
  • Insurance base savings plan
  • 401k Rollover

Useful courses:

Lazy Dollar Seminar – investment strategy


Ages 36 – 45 Years Old

Thinking of starting a family, or already have?  Now is a good time for life insurance, you are young and healthy the cost will be low but will protect your family if something unexpected occurs. Finally, now if a good time to start saving for your future. Create your own tax-free cash account, so some day you can borrow interest and tax-free from yourself for that new car. You may also be ready to start saving for college for your family.

Possible Needs:

  • Health Insurance
  • Insurance base savings plan
  • 401k Rollover
  • Estate planning – will, trust, power of attorney

Useful courses:

Lazy Dollar Seminar – investment strategy

Don’t Be a Human Ostrich – comprehensive retirement strategy


Ages 45 – 64 Years Old

Now is the time to begin locking in lifetime income and protecting your assets from market risk.  At 59 1/2 you can begin 401K Rollovers moving funds from Retirement account into guaranteed instruments that can provide lifetime income later. LTC care solutions should be considered now before you have health issues. And at age 65 you are eligible for Medicare.

Estate planning should be considered Revocable living trusts wills, etc… If not already in place.

The worst time to lose retirement funds is 5 to 7 years before and after retirement because you simply do not have the time to recover those losses if you are using those funds to pay for retirement.

Possible Needs:

  • Health Insurance
  • Insurance base savings plan
  • 401k Rollover
  • Estate planning – will, trust, power of attorney
  • Asset Management (mutual funds, bond funds, equities, stocks)
  • Annuity plan
  • 59 ½ 401k roll over in-service option open
  • Long term care solutions
  • Social security maximization planning
  • Asset protection planning
  • *start looking at parents financial situation

Useful courses:

Lazy Dollar Seminar – investment strategy

Don’t Be a Human Ostrich – comprehensive retirement strategy

Happy almost 65 Birthday Party – prepare for the big day by understanding why 65 is so important and what to do with all the solicitations

Veterans Benefit Seminar – If you are a vet or a spouse of a vet there may be benefits available to you


Ages 65-74 Years Old

So you’re retired or getting ready to retire, don’t leave those retirements funds behind with an employer you no longer work for. Now is the time to work on 401k or Retirement Rollovers.

Medicare begins at age 65 for those who are no longer working or who have a job that does not provide that care. LTC still needs to be resolved if it has not by now and safety of principal in investments.

The worst time to lose retirement funds is 5 to 7 years before and after retirement because you simply do not have the time to recover those losses if you are using those funds to pay for retirement.

LTC is still critical and available if reasonably healthy, discussions with family and attorneys about estate planning, chronic care, and funding.

Planning for government benefits VA and Medicaid should be discussed or possibly planned for.

Continued safe growth of funds as well now might be the time to turn on or create your own pension. We call it pensionizing your nest egg.

At 70 ½ you much begin to take RMD’s or Required Minimum Distributions from your IRA’s, therefore let’s talk taxes.

Possible Needs:

  • Health Insurance
  • Insurance base savings plan
  • 401k Rollover
  • Estate planning – will, trust, power of attorney
  • Asset Management (mutual funds, bond funds, equities, stocks)
  • Annuity plan
  • Long term care solutions
  • Social security maximization planning
  • Asset protection planning
  • Wealth transfer

Useful courses:

Lazy Dollar Seminar – investment strategy

Don’t Be a Human Ostrich – comprehensive retirement strategy

Veterans Benefit Seminar – If you are a vet or a spouse of a vet there may be benefits available to you


Ages 75 – 80 Years Old

Long Term Care  is still critical and available if reasonably healthy, discussions with family and attorneys about estate planning, chronic care and funding.

Planning for government benefits VA and Medicaid should be discussed or possible planned for.

Continued safe growth of funds as well now might be the time to turn on or create your own pension. We call it pensionizing your nest egg

Possible Needs:

  • Health Insurance
  • Insurance base savings plan
  • 401k Rollover
  • Estate planning – will, trust, power of attorney
  • Asset Management (mutual funds, bond funds, equities, stocks)
  • Annuity plan
  • Long term care solutions
  • Social security maximization planning
  • Asset protection planning
  • Wealth transfer

Useful courses:

Lazy Dollar Seminar – investment strategy

Don’t Be a Human Ostrich – comprehensive retirement strategy

Veterans Benefit Seminar – If you are a vet or a spouse of a vet there may be benefits available to you


81 Years Old and Beyond

Possible Needs:

  • Health Insurance
  • Insurance base savings plan
  • 401k Rollover
  • Estate planning – will, trust, power of attorney
  • Asset Management (mutual funds, bond funds, equities, stocks)
  • Annuity plan
  • Long term care solutions
  • Social security maximization planning
  • Asset protection planning
  • Wealth transfer

Useful courses:

Lazy Dollar Seminar – investment strategy

Don’t Be a Human Ostrich – comprehensive retirement strategy

Veterans Benefit Seminar – If you are a vet or a spouse of a vet there may be benefits available to you