While growth during your pre-retirement years is the main goal, that perspective shifts when moving into your retirement years. Upon taking distributions, protection of your current retirement assets is crucial to help provide income throughout retirement.
Retirement is lasting longer than ever, sometimes lasting 30 years or more. With those kinds of timelines, planning out your income and protecting what you have is more important than ever. Additionally, 70% of retirees will need some type of long-term care, which can have a large impact on their retirement assets and distributions.
We use a variety of products and riders to help protect your retirement assets and provide income should you require long-term care or nursing home care, including annuities, long-term care riders, long-term care insurance, death benefit riders, and life insurance products. During your retirement plan assessment, we’ll find out if there are any gaps in your coverage or income plan and help you create a way to protect your retirement assets through these helpful products.
Learn more about our asset protection strategies by filling out the form and a member from our team will reach out.
Ryan Marston and John Conley are Investment Adviser Representatives of Retirement Wealth Advisors, Inc. (RWA), an SEC Registered Investment Advisor. Rubino & Liang Wealth Partners, LLC and RWA are not affiliated. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.
This information is designed to provide general information on the subjects covered; it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Rubino & Liang Wealth Partners, LLC and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.
Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any references to protection benefits or lifetime income generally refer to fixed insurance products. They do not refer in any way to securities or investment advisory products or services. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors, Inc. Insurance and annuities offered through licensed professionals of R & L Insurance Agency, LLC. MA Insurance License #1783398.
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