Retirement Income you can't outlive
Control your retirement with both safety AND growth on the same dollar, at the same time
Let IRS rules help you during retirement and even in the years before you retire
Direct from the Medicare website: "Medicare and most health insurance, including Medicare Supplement Insurance (Medigap), don’t pay for long-term care."
Direct from the Medicare website: "Medicare and most health insurance, including Medicare Supplement Insurance (Medigap), don’t pay for long-term care."
Help secure your family's future while also creating
tax-free supplemental income.
The youngest client I have in this is 23. He's already building cash value that increases as time goes by, to be used, if he wishes...for anything. And for some, this can also be used when you're nearing or already in retirement.
Using indexes of the stock market, yet NO risk of stock market losses
Upside potential and downside protection.
A tax-free death benefit for your beneficiaries.
Let's talk about that.
Direct from the Medicare website: "Medicare and most health insurance, including Medicare Supplement Insurance (Medigap), don’t pay for long-term care."
Direct from the Medicare website: "Medicare and most health insurance, including Medicare Supplement Insurance (Medigap), don’t pay for long-term care."
Direct from the Medicare website: "Medicare and most health insurance, including Medicare Supplement Insurance (Medigap), don’t pay for long-term care."
If you check various surveys, you'll see that roughly 70% of us will need long-term care. Other than paying for a typical long-term care policy, which has been the standard type of insurance for long-term care, there are a couple of very wonderful, relatively newer ways to do this:
- Consider Asset-Based Long-Term Care Plans
These plans allow you to reposition existing assets (like cash or savings) into a policy that provides long-term care benefits—often with guaranteed premiums and death benefits. Some of you reading this are now using this type of plan to grow funds for long-term care. And you can use the benefits for anything with most plans! I can explain how that works when we go over your situation, if this should come up.
- Use an Annuity with Long-Term Care Benefits
No, not a variable annuity, which can be expensive and exposes you to stock market risk. But now there are many fixed index annuities that come with long-term care riders, offering enhanced payouts if you ever need care. It’s a way to grow retirement income and cover potential care costs at the same time. And have downside protection while protecting and locking in your gains every year.
Let's talk about this.
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It's never too late (or too early) to get started on your investment plans. Tell us more about your goals, and we will get you started on a plan to achieve them.
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Quinn Financial
Many of you know Steve Quinn from his help in finding you a Medigap plan to fit in with your Medicare insurance. However, for over twenty years Steve's main business has been in financial and retirement planning.
Before becoming independent, he worked as a financial advisor with First Union Securities and Prudential Securities in Denver, starting in late 1997, after moving back home from living and working in Japan.
Steve's business has evolved to mostly be concerned with preparing folks for retirement. He has used his teaching background to do a great deal of public speaking over many years in the Denver/Boulder area, to companies large and small such as Raytheon, Texaco, Ball Aerospace, as well as hospitals, service groups like Kiwanis, Rotary, Optimists Clubs, etc. He also wrote a financial column for the local newspaper Prime Time for Seniors, from 2005 to 2007.
Steve earned his bachelor’s degree at Colorado State University, where he also completed graduate courses in Education. In his community, he has been a member of the Japanese American Society of Colorado, a board member of the Japanese American Citizens League in Colorado, a committee member with the board of the Colorado Ballet (because of his daughter!) and formerly a member of the Colorado Trail Foundation. Steve was also a crew leader building the Colorado Trail for six of his seven years as a volunteer (hopefully some of you have hiked part of it). He has ties with both Japan and the Philippines.
Areas of specialization include:
Retirement planning for individuals and businesses
Insurance and annuities
Education funding
Estate Planning
financial retirement planning retirement income
Contact me
Quinn Financial
3650 Vance St. Unit 220 Wheat Ridge, CO 80033
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