Do I Need a Financial Planner for Retirement?

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Introduction to Self-Managing Retirement Finances

Fixed-Indexed Annuities for Steady Income

Fixed-indexed annuities provide a balanced approach to income, combining market-linked growth potential with protection against significant losses. By choosing these, you can ensure a steady income stream, reducing the risk to your retirement savings.

Long-Term Care Insurance for Healthcare Costs

Independently purchasing long-term care insurance can safeguard against high healthcare costs. This insurance covers nursing home care, home health care, and assisted living, relieving the financial burden on you and your family.

Life Insurance for Estate Planning

Life insurance is crucial for securing your estate and supporting your beneficiaries. It covers funeral costs and debt payments and provides a financial cushion, ensuring your estate is managed according to your wishes.

Saving on Advisory Fees

Managing your finances independently helps you save on financial advisor fees, allowing you to allocate more funds toward your retirement goals. This approach maximizes your savings and investment potential.

Do I Need A Financial Planner For Retirement

How We Can Help

At The Annuity Expert, we recognize the challenges of retirement planning without a financial advisor. Our mission is to simplify this process and help you achieve financial security.

The main problem we address is the complexity and cost of retirement planning. This often leads to stress and uncertainty, which we aim to alleviate.

With 15 years of experience as an insurance agency, annuity broker, and retirement planner, we provide expert guidance. We stand for finding the best solutions at the lowest costs, ensuring you can enjoy a stress-free retirement.

How To Invest Without A Financial Advisor

What We Recommend

Step 1: Initial Consultation

Schedule a free initial consultation to assess your financial situation and retirement goals. This will provide a clear understanding of your financial standing and the necessary steps to achieve your goals.

Step 2: Personalized Retirement Plan

We will develop a customized retirement plan, including recommendations for annuities, insurance policies, and investment strategies. This ensures a comprehensive approach to your retirement finances.

Step 3: Implementation and Ongoing Support

We assist in setting up annuities, purchasing insurance policies, and managing investments, providing continuous support to keep your plan on track.

By not working with us, you risk facing retirement planning complexities alone, potentially making costly mistakes, and experiencing unnecessary stress. Conversely, partnering with us provides a clear, actionable plan and peace of mind.

You will feel relief from financial worries, confidence in your plan, and security in your future. Contact us today for free advice or a free quote, and take the first step towards a financially secure retirement.

Need Help Deciding If A Financial Planner Is Right For You?

Get free advice from a licensed financial professional. This service is free of charge.

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Frequently Asked Questions

Do I need a financial advisor for my 401(k)?

Not necessarily. You can manage your 401(k) independently by researching investment options and strategies. However, a financial advisor can provide personalized guidance, help optimize your investments, and ensure your retirement goals are on track.

Do I need a financial advisor for my pension?

No, you don’t need a financial advisor for your pension. For more control over your retirement funds, consider taking the lump sum and rolling it into an IRA or annuity.

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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