For most people, exploring retirement income options starts with your Social Security benefits. Helping people make an educated and empowered decision about their Medicare health plan options is what we do! Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings.
Living longer has some serious advantages, but with Social Security benefits, personal investments, & pensions becoming less dependable- it is essential to take more control of your financial future.
Living longer has some serious advantages, but with Social Security benefits, personal investments, & pensions becoming less dependable- it is essential to take more control of your financial future.
Services
David Ray has been working in the Insurance Industry since 1989.
He is insurance licensed to practice in several states and holds a Business degree from the University of Virginia at Wise.
David specializes in working with people at or near retirement in the area of Wealth Accumulation Strategies and Medicare Supplements along with Long-Term Care coverage.
One of his main goals is to help build, protect, and preserve your assets against market volatility.
His firm believes in providing personal service to his clients.
He is insurance licensed to practice in several states and holds a Business degree from the University of Virginia at Wise.
David specializes in working with people at or near retirement in the area of Wealth Accumulation Strategies and Medicare Supplements along with Long-Term Care coverage.
One of his main goals is to help build, protect, and preserve your assets against market volatility.
His firm believes in providing personal service to his clients.
To help ensure you have a strategy in place to address some of those concerns, you may find it helpful to work with someone with experience in using life insurance and fixed annuities to help solidify your retirement strategy with valuable protection and guarantees.
Are any of your retirement savings protected from the volatility of the stock market?
We can help you discover accumulation and various income options with 100% guarantee of your principle against market volatility.
You're probably familiar with life insurance, and the importance of the death benefit that it provides.
Are any of your retirement savings protected from the volatility of the stock market?
We can help you discover accumulation and various income options with 100% guarantee of your principle against market volatility.
You're probably familiar with life insurance, and the importance of the death benefit that it provides.
Review your Social Security and retirement statements to determine potential retirement income shortfalls where a fixed annuity may be a potential solution.
Explain the importance of routinely verifying your Social Security statement earnings record for accuracy.
Review your unique situation to determine potential eligibility for other types of benefits (ex-spousal, dependent or caregiver benefits).
Examine potential effects of taxation on Social Security benefits in light of other sources of retirement income.
Explain the importance of routinely verifying your Social Security statement earnings record for accuracy.
Review your unique situation to determine potential eligibility for other types of benefits (ex-spousal, dependent or caregiver benefits).
Examine potential effects of taxation on Social Security benefits in light of other sources of retirement income.
More than just a bank account or stock certificates-your family legacy encompasses all the experiences that your family holds dear, as well as the values, wisdom, and hopes you leave for them.
With this in mind, the question for you becomes more about what each of your family members value most.
You can't really know until you start talking about all these key components of creating a legacy.
It could be that values and life lessons are top on someone's list.
While someone else my rate personal possessions of emotional value #1.
With this in mind, the question for you becomes more about what each of your family members value most.
You can't really know until you start talking about all these key components of creating a legacy.
It could be that values and life lessons are top on someone's list.
While someone else my rate personal possessions of emotional value #1.
For over 28 years, it has been our mission to connect our clients with the appropriate provider and value to fit within their budget.
Are you trying to decide about your Medicare health plan option?
Do you need a Medicare Supplement or a Medicare Advantage plan?
What is Medicare Part D? Do you need Medicare Part B if you're covered by an employer's group plan?
To get a Medicare plan, either an Advantage or Supplemental plan, you must have Medicare Part A and Part B. If you're age 65 and receive Social Security retirement income benefits, you're usually automatically enrolled for Part A and Part B. Medicare supplement plans (or Medigap plans) may offer benefits in addition to the benefits offered by traditional Medicare Parts A and B. There are different types of Medicare supplement plans which cover the Medicare deductibles or require you to cover the deductibles.
Are you trying to decide about your Medicare health plan option?
Do you need a Medicare Supplement or a Medicare Advantage plan?
What is Medicare Part D? Do you need Medicare Part B if you're covered by an employer's group plan?
To get a Medicare plan, either an Advantage or Supplemental plan, you must have Medicare Part A and Part B. If you're age 65 and receive Social Security retirement income benefits, you're usually automatically enrolled for Part A and Part B. Medicare supplement plans (or Medigap plans) may offer benefits in addition to the benefits offered by traditional Medicare Parts A and B. There are different types of Medicare supplement plans which cover the Medicare deductibles or require you to cover the deductibles.
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