Sequential step-by-step financial planning that makes sense

Protect Your Income

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Step One: Protect your earned income, your cash flow with Disability Insurance. Do this before anything else.  It should be your #1 Priority, period. Your earned INCOME  is your greatest asset. Why? Because without it, there's no way to pay for everything else that's important. Disability Insurance should ALWAYS come before life insurance.  No one dies first, then becomes disabled afterwards. Protect against risks in the order that they happen. 

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Protect Your Loved Ones

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Step Two: Protect Your Loved Ones with Life Insurance. What if you die before you're ready? Will your family struggle or is their financial future secure? Don't procrastinate when it comes to buying life or disability insurance. Life isn't fair and there are no "do-overs." There are two time bombs if you wait. 1) That you actually die or become disabled without being covered and 2) That your health changes and you no longer qualify medically for coverage. Don't wait.

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Protect and Build your Savings

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Step Three: Make sure you are saving enough liquid savings with your local bank. You should have ideally, one full year's income, minimum 6 months, ready to go, at all times. Don't be concerned with interest or rate of return. Focus on security and liquidity FIRST. Too often we see people with very minimal disability insurance, life insurance, or liquid emergency savings, or worse, none at all, instead wanting to invest or save for retirement in 401Ks, IRA, stocks, mutual funds or other speculative investments. This is just bad planning.

Protect and Grow Your Retirement "The Accumulation Phase"

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Step Four: Save as much as possible for retirement. The only person who will care for you when you are old and tired of working - is YOU. We are all about SAFETY, PROTECTION and GUARANTEES. If that sounds like you, you've come to the right place. If you have a matching 401K, make sure you are putting in what you need to get the full match, but not a penny more. There are other things that make much better sense for any retirement planning dollars after that. We can show you how to create substantial tax-free distributions, with competitive gains and guaranteed ZERO downside risk.

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Protect and Enjoy Your Retirement "The Distribution Phase"

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Step Five: Protect and grow your retirement nest egg - make it last. Now it's time to enjoy the fruits of your labor and the sacrifices you've made along the way. It's payoff time, the chapter you have been looking forward to. We can show you how to make your retirement dollars last with a guaranteed income for life that you cannot outlive, no matter what. Longevity risk is real and we have answers. We can also show you how to create tax-advantaged income, while maintaining liquidity and growth to offset inflation. We can also show you how to choose the right option from your pension that makes sense. 

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Protecting Your Business

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Do you own a business? Many of our clients do. Do you have a business or practice with a  lot of overhead? Do you have  any commercial loans? If you become totally disabled, how will you cover your business expenses? How will you make your business loan payments? We have answers and the solution is even tax-deductible! Do you have valuable Key Employees that are "Key" to your success? Talk with us about "Key Person" Insurance. Do you have business partner(s)? Do you have a properly drafted INSURED buy/sell agreement? Is  it the "New" kind that includes disability? The "Old" kind was only protected with life insurance. 

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Sean Cresap, president, Cresap Orthotics & Prosthetics

Sean is one of our very top valued clients. Listen to Sean share why he feels disability insurance is so important to protect his income, his family, his business and his employees and how he feels about working with us at Radwick Financial Group.

Why we do what we do - our passion - what drives us

Watch Alyssa Taber, widow and mom share her story and how she feels about life insurance

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We look forward to helping you with the planning of your future financial security. Tell us more about your goals, and we will get you started on a plan to achieve them.

Radwick Financial Group LLC

(509) 996-3425

Hours

Monday - Friday: 7am - 8pm

Saturday - By appointment