The goal with retirementGUARD is to ensure your retirement money is protected from unnecessary risk, fees and health expenses throughout your lifetime and then some.
Understand it before you get it.
There are plenty companies that can sell you insurance products, but how many help you understand what you may need and why BEFORE you buy it? Wellguard Insurance & Financial focuses on educating the consumer so they can better understand the differences in products, why a particular solution may make sense and which may not be the right options for you.
As an independent insurance agency, we are not restricted to any specific company or product. To understand what route is best for you, schedule a consultation where we can find out.
Since Qualified Plans (401k, 403b, SEP IRA, IRA's) do not receive a step-up in tax basis when transferred upon death, our Distribution Solution can provide a 30-40% discount on taxable distribution and eliminate future taxes.
Fixed annuities may help your savings grow faster because you don't pay income taxes on the money in your contract until you take a withdrawal. Fixed annuities also are unique in that they can provide guaranteed lifetime income.
Long-term Care (LTC) Insurance
The cost of long-term care can be expensive, and the costs generally continue to rise. This is why it's so important to plan for care before you might need it and we offer several options to help you get started.
What if you could lock in your market gains and avoid unanticipated market losses? If this sounds too good to be true, then we need to share with you why our Indexing Strategies are an investor's best friend.
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We are a Bay Area owned and operated insurance and financial agency specializing in helping individuals and business owners achieve their financial goals.
2201 Shore Line Dr. #6377
Alameda, CA 94501