When it comes to your financial dreams, taking action is vital to your success. You know where you are – and where you want to go. We are here to help and committed to making your journey toward financial success as easy as possible.
We all know we should make plans for retirement, but how many of us are actively doing so? Investing for the future is wise, especially with a product that can provide income for your lifetime. An annuity may be appropriate for you if you are concerned about outliving your income.
An annuity is a financial product issued by a life insurance company. It is similar to your own personal retirement account and lets you save for the future whiling giving you potential tax advantages at distribution, as well as tax deferral of any growth during the accumulation period.
Annuities are a good fit for long-term investors and First National Investment Services offers both variable and fixed annuities.
While you can’t always ensure what the future holds for the ones you love, you can help ensure their future is protected. Having sufficient life insurance and the right financial instruments in place can help protect their dreams for the future—and give you and them the peace of mind to look ahead with confidence.
If you already have life insurance, remember that your insurance needs can change as you approach significant life events, such as:
- New home or business purchase
- New baby or adoption
- Children moving out of the house or going to college
As exciting as it is to think about the futures of those you love, it can be a little daunting to think about putting together the right mix of insurance and financial products to protect them. Let our Investment Executives put their knowledge and experience to work for you. Together, we’ll assess your needs and concerns, discuss your options, and then decide on a practical solution that meets your budget.
Long-Term Care Insurance
What would you do if you were suddenly faced with an additional yearly expense of $30,000 to $60,000 because of unexpected health care needs? Most Americans fear the financial consequences of a long-term illness and are unsure about how to protect themselves against it. What if your current health insurance policy only covered a small part of those costs? This also prompts the following questions:
- How long could you afford these additional expenses?
- How would these unexpected expenses impact the estate you hope to leave behind?
- How would your lifestyle be affected while you are sick?
Long-term care insurance, which covers care received at home as well as care received in a nursing home, may be the right answer to these troubling questions. Long-term care policies can be an affordable and effective solution.
Long-term care is an important issue we could all potentially face. To depend on the government to pay these expenses – whether through Medicare or Medicaid – is not a feasible option. Medicare provides very limited coverage for long-term care, and Medicaid generally applies to only those with very limited assets.
Disability Insurance can also help protect you against financial crisis by protecting your income in the event you become disabled. Talk to our Investment Executives to find out how easy it could be to eliminate these concerns.
Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered.
- Not FDIC/NCUSIF insured
- May lose value
- Not financial institution guaranteed
- Not a deposit
- Not insured by any federal government agency
Financial Professionals are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website if for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.