Your earned income IS your greatest asset! Without it...... nothing else matters!
If you got sick or hurt and couldn't work to make a living, how long could you make it on your savings before running out of money? Disability Insurance or "DI" can cover your personal living expenses such as the mortgage or rent, car payments, utilities and groceries and even funding your retirement. We can also cover your STUDENT LOAN PAYMENTS whether you are totally or partially disabled.
We can help you to protect your family and loved ones by keeping them in the world they are accostomed to and by helping you to pass on your wealth in the most tax efficient way possible
We can also helpi you to research and shop for the best most, competitive and appropriate policy that makes sense for your particular needs & situation.
Is there anything else in the world more important than protecting the ones you LOVE?
We're experts when it comes to safety, protection, security, guarantees and peace-of-mind
FIXED INDEXED ANNUITY AND UNIVERSAL LIFE products have some very powerful distinct advantages over traditional investing such as stocks, bonds and mutual funds:
"Having guaranteed income in retirement is like having a job you LOVE where you can never be fired, and each year you're eligible for pay raises that get locked-in."
Why gamble with your hard-earned money and leave it to chance when you don't have to?
DISABILITY EXPENSE REIMBURSEMENT
If you run a business or practice - how will you cover your overhead expenses if you become totally disabled?
BOE reimburses routine business expenses such as payroll, utilities, malpractice insurance, a mortgage or the office lease.
In additon, with a "Business Loan Repayment Rider" (BLRR) We can also cover your BUSINESS OR MEDICAL PRACTICE COMMERCIAL LOAN PAYMENTS to keep your practice open and operating.
Premiums are even TAX-DEDUCTIBLE!
Customized Bonus Planning (CBP) Unlike standard group benefits, where everyone must be included regardless of merit - with CBP, you can pick and choose who gets what, givng you more control to reward based on merit and loyalty. For one employee, maybe it's a first class disability income protection plan. For another it might be retirement planning and life insurance. We can also add "Golden Handcuffs" to improve loyalty and retention for your best employees
BUY/SELL LIFE AND DISABILITY INSURANCE
This provides the immediate liquid cash needed most when a business partner dies or becomes totally disabled. Most businesses and partners simply do not have the liquid cash to buy out a deceased or disabled partner's share or estate. Not having a well-drafted buy/sell agreement, funded with insurance is a recipe for drama, discontent and disaster.
Key Person Insurance
Covers your business or practice when one of your best top employees either dies or become disabled. It can also provide extra incentives and rewards to attract and retain top talent.
LTC IS USED FOR TWO THINGS:
One, to protect your hard-earned assets from getting annihilated because the cost of long term care is so expensive and keeps getting worse.
Two, to get the care you want WHERE you want; most people would prefer the dignity and the familiararity of getting their care in their own home, as opposed to an outside nursing home or assisted living facility.
Sometimes this is handled with a stand-alone "LTC" policy, or often it is handled more ideally with a permanent cash value life insurance policy with a special "living benefits rider," that can allow the insured to access a portion of the tax-free death benefit while alive to cover chronic illnesses (long term care).
RELATIONSHIPS WITH EXPERT BUSINESS BROKERS
We have worked hard to develop great relationships with knowledgeable business brokers, experts in their field with proven track records to help you properly assess the value of your business and get it marketed and SOLD with the best possible outcome on price.
For many business owners, a large portion of their retirement or the lion share comes from the sale of their business to create their retirement nest egg. In order to sell your business and create the liquidity needed to enter your next exciting chapter of retirement, finding a good business broker can be essential. We are happy to introduce you to some of the best business brokers in the industry!
Todd Radwick writes regularly as a Financial Columnist in a variey of magazines, business journals and publications.
Here you can find links to numerous articles to help educate you as you plan for your future financial security for you, your family and your business.
EXCITING OPPORTUNITIES FOR THE RIGHT PERSON
With Radwick Financial having your back - you can. We are all about freedom and independance to love where you live and work where you want. Whether you are a seasoned veteran insurance and financial services professional or someone simply exploring their options, arrange a time to visit with us and see if we might be a good fit for each other!
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.