Here’s how you’re protected.

 
 

Individuals & Families:

Family & life changes 529 savings College Plan Mutual Funds

preparing for the future Annuities Special Care

Unexpected Hardships Disability Income Insurance Trust Services Life Insurance

Long term care Individual Retirement Account

Wealth accumulation Investments

Click here for detailed information.

Businesses

Attracting & Retaining Key employees Protect your business

Employee Benefits Retirement planning

Succession Planning Financial management

Click here for more detailed information.




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Insurance

With life insurance, both term and permanent, an individual makes premium payments so that in the event of a passing, the assigned beneficiaries would receive the death benefit proceeds. Term insurance is not permanent. It is designated for a specified amount of time, many with the option to convert into permanent whole life before the term ends. 

Young Tran is here to help you navigate through all of these questions and set you up for success. 

 

DISABILITY INSURANCE

If tomorrow you couldn’t work due to a sudden accident or you became disabled – would your business be in jeopardy? 

Would your family’s expenses become too much for 1 person to bear? 

What if you didn’t age as you thought you would and weren’t as mobile?

With disability insurance - you, your family, and business would be at ease knowing that everything would operate as usual. 

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Retirement

Everyone has a different goal for retirement whether they start planning for it today or years from now.  Retirement dreams are as varied as the plans available. One thing everybody wants is having a secure source of reliable income to live out your retirement years worry-free.  

There are several ways to build for your retirement. Some offer wealth accumulation while others offer permanent streams. 

Laying out all the different types of retirement plans is vital. Young will make sure all of your questions are answered and you are set up with the plan that is best for you.

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LONG TERM CARE

It may not be something on the radar for most people. Most people think it is covered by health insurance or Medicare. Most Americans are living longer now and are more likely to need long term care (LTC). 

 If a proper plan is not in place this can use up all your retirement money. 

What if this happens? 

Wouldn’t it be nice not to have to worry about this in your golden years?

What is long term care?  Long term care provides funds for receiving help for everyday actions, such as getting dressed, bathing, while still living independently. There may come a point when help from family and friends is not enough to care for a loved one or yourself. Knowing that the choice to stay home and live independently or move to a long-term care facility is a choice based off of preference and not money is a benefit to having this policy in place. 

for businesses

Planning the future of your business-- from a start-up or passing it down--regardless of the stage of your business, a healthy financial future is on every owner’s mind. Let’s add peace of mind to that. 

A broad array of services are offered. It all starts with a thorough analysis of your current policies, needs, and goals.

 
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FINANCIAL WELLNESS

Financial education helps you to decide what’s best for your family, your business, and the legacy you want to leave behind. It all starts with education and awareness to create the best financial portfolio for you.

Tip: The younger you are the cheaper the payments are and it accrues more cash value versus starting in middle age. Schedule an appointment to find out more. 

“Tip: Premiums increase as you age. But so do cash values. Starting early as possible is key.

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Consider why you may need life Insurance?

  • Do others depend on you financially?

  • Will you leave a financial gap if you can no longer work or you (or your spouse) pass away suddenly?

  • Do you want to relieve the financial burden of the funeral expenses that will fall on your family?

  • Do you want to donate to a charity or special interest? 

  • Are you starting out and want to lock in a very affordable rate for your young and growing family? 

  • Do you want to leave behind seed money for your children or grandchildren? 

  • Do you have a special-needs child that will need care after you’re gone?

  • Will you need a college plan in place?

  • Do you want to leave an inheritance and inheritance tax policy for your loved ones?

Living today and not worrying about tomorrow’s problems is  an amazing retirement goal.