Retirement Income Planning

Whether you’re just beginning to plan for your financial future or you’re already retired, you want to make sure that your assets will meet your needs for the future. Retirement should be a time for rest and relaxation, but the truth is that it can be an extremely stressful time if your cash reserves aren’t enough to provide for your desired lifestyle.

It’s never too late or too early to plan for the financial success of your future. We can help:

• Provide you with an income for life.
• Construct an income plan designed to potentially eliminate any gaps between your income and expenses.
• Equip you with a thorough retirement strategy.
• Create strategies to aid in the preservation of and offer growth potential for your retirement savings for distributions later with as little impact from taxes as possible.

*Annuity guarantees, including optional riders, rely on the financial strength and claims-paying ability of the issuing insurance company.

Legacy Planning

Benjamin Franklin once said that only two things in life are certain: death and taxes. It can be a sensitive subject, but it is imperative that we all plan for the inevitable. We fully understand that legacy planning can be an emotionally charged issue, but your family’s financial future may be affected.

With a proper legacy plan, we consider your desired legacy outcomes.

Here are a few strategies we focus on:

• Developing a plan that accounts for your current and future needs, as well as helping preserve your savings for the next generation.
• Reducing estate tax liabilities and helping provide the right amount of liquidity.
• Reviewing legacy and retirement income plans and other income-planning documents to make sure they are and remain up-to-date.

Life Insurance & Income Tax-Free Retirement

With One Family Financial, you’ll have added peace of mind knowing you have created a legacy plan for your loved ones when you are no longer here. We’ll also show you how you can use your permanent life insurance policy to provide income for yourself in retirement.

Here are a few strategies we focus on:

• The potential to build cash value on a tax-deferred basis.
• Properly structuring your life insurance to potentially allow for premium flexibility (within certain criteria).
• Access to the available cash value of your policy, income tax-free with policy loans.*
• An income tax-free death benefit for your beneficiaries.

*The policy owner may access the cash value of the insurance policy by borrowing against the contract. Interest is due on the loan. Repayment of the loan is due upon the death of the insured or when the policy is surrendered in total. May be subject to taxes if the loan plus interest exceeds the policy’s cash value.

Wealth Management

Whether you are planning for a new baby, your dream home, college for children, or a vacation property, growing your wealth is key to achieving your life goals. Active management of your investments through multiple strategies maximizes growth while minimizing market downturns. One Family Financial has fine-tuned our process to help you grow your existing wealth and provide investment strategies for a consistent source of income, all while managing against risk in unpredictable markets.

Here are a few strategies we focus on:

• Long-term and short-term wealth management strategies to achieve your financial goals
• Investment management to maximize growth and minimize losses compared to market performance
• Continual updates to account for changes in your life plan