Retirement Planning

The volatile world economy, the recession, questions surrounding Social Security and the changing landscape of employee benefits have people of all ages worried about financial security during their retirement years.

Lessen the stress by talking to the experts at Shove Insurance. They can assist you with starting to plan for retirement or conducting an assessment of how your current plan is working and if you need to make any changes or adjustments.

If you have taken no action to ensure future financial security, start now by saving and investing your money. You think that is impossible? Shove advisers will convince you otherwise and map out steps you can take to put dollars away and meet realistic goals. One thing is for sure, procrastination will not help.
     
Our advisers can help you navigate through the many aspects of retirement planning, including the best investment vehicles for you and your family, how much money you should be contributing to a 401(k) plan offered by an employer, the most advantageous type of individual retirement account for you and protecting your assets.

   

Annuities

One of the many vehicles investors can select is an annuity, which is generally an agreement with a life insurance company that provides a consumer with a stream of income.

Shove Insurance experts can explain the many categories of annuities, investment options for annuities, features of annuities and benefits of annuities to your heirs. The agency’s advisers will show you how an annuity can be a critical component of a diversified portfolio and prevent you from outliving your assets.

Sound financial plans should include life insurance and annuities. Life insurance provides economic protection to the policyholder’s family members so they can settle any financial obligations upon his or her death, while annuities provide the investor with his or her own economic security.

There are no limits on the amount that you can invest in an annuity, and how much money you put in will depend on: 

• Your immediate actual and potential financial needs
• Your long-term financial goals
• Your current savings and investment portfolio
• The range of alternatives available to you

To learn more, call (401) 722-1185 or send an e-mail to whunt@shove.com.