SERVICEs
Protect your retirement
Strategic Retirement Planning
Do you feel confident about your retirement plan? Will you have enough saved?
Are ALL of your retirement savings still exposed to market fluctuations?
If you don’t have a plan, then you’re planning to fail. It’s important that you think about your plan and mitigate your risks. We believe that true retirement diversification is making sure that at least some of your retirement savings is safe and secure—while also still growing! We offer creative solutions that allow you to do just that. You don’t have to ride the heart-stopping rollercoaster called the Stock Market in order to see growth of your retirement savings. In fact, you can be guaranteed to never lose a penny of it! Seriously! There are better ways than putting 100% of your eggs in the 401k basket and hoping for the best. Our strategies include Fixed Index Annuities, MYGAs, IULs and utilization of the Infinite Banking Concept.
Reach out to us today for a free financial analysis consultation and we can help you plan for a great retirement.
Protect your health
medicare
Are you overwhelmed when it comes to Medicare?
What if there were someone you could trust to help explain it all and help guide you to the best option for your situation?
If you’re eligible for Medicare, you’ve likely been bombarded with advertisements and information for Medicare—you’re probably sick of it! Many are living on a fixed income and just want the best coverage at the most affordable rates. But there’s so much to know and everyone says their option is the best. It can all be very overwhelming and it’s hard to know who to trust. Sadly, it can also be a playground for self-serving and deceptive agents looking to take advantage of people to make larger commissions. That reality and a desire to genuinely help seniors has driven Refuge into the Medicare arena where we seek to truly educate and equip seniors to get the coverage they need at prices that make sense for their situation. If you or someone you know is about to turn 65, we’d love to help. Even if you already have Medicare, it’s important to review your coverage annually to make sure you still have the best coverage (since plans change each year).
Contact us today and let us know how we can help you with your Medicare questions or needs.
Protect your family
life insurance
What would your family do if something happened to you tomorrow?
Would they be protected and provided for?
No one likes to think about death but none of us are promised tomorrow. Ignoring that truth doesn’t help and, in reality, leaves your family highly vulnerable. Making sure your family is taken care of when you’re gone is one of the most loving things you can do. We offer a variety of life insurance options including: term, mortgage protection, final expense, guaranteed issue, participating whole life and indexed universal life. We don’t work for an insurance company but instead go shopping for our clients among many of the best companies to find the best coverage for each situation. Whether your goal is just to protect your family or you also want to build wealth and leave a lasting legacy, we can find coverage that meets your budget, needs and goals.
Contact us today to schedule a no-cost, no-pressure meeting so we can talk through options tailor-made for your situation.
Protect what you've built
Legacy PLANNING
Do you know what would actually happen to your assets if you died today?
Will you leave your loved ones a legacy—or a mess to sort out?
Legacy planning is about making sure what you’ve worked hard to build goes where you want it to—and that the people you love aren’t left trying to figure everything out. We help make the process simple and approachable, guiding you through creating a comprehensive estate plan that can include a will, living trust, powers of attorney, healthcare directives, and more. With attorney-drafted documents and a secure online platform, you can put a plan in place that protects your wishes, simplifies things for your family, and helps you leave a legacy instead of a burden. We will also help you think through other legacy planning strategies like tax mitigation, retirement coordination and efficient transfer of wealth.
Ready to protect your legacy and make things easier for the people you love? Contact us today let’s get started.
Protect what matters
Other Services
Are there gaps in your financial plan you may not even know about?
Could a few small changes today make a big difference down the road?
Every situation is different, and sometimes the right solution doesn’t fit neatly into one category. That’s why we offer several additional services designed to help you strengthen your overall financial picture:
• Social Security Optimization — Helping you understand your options and develop a strategy for when and how to claim your benefits.
• Debt Elimination Program — Using an innovative financial program to help you pay off debt—including your mortgage—as quickly and efficiently as possible, without requiring major changes to your current budget or lifestyle.
• Life Insurance & Annuity Policy Reviews — Reviewing existing policies to help you understand what you have, answer any questions you have and help you decided whether they still fit your needs and goals.
• Auxiliary Health Products — Helping fill potential gaps with dental & vision, hospital indemnity, cancer, and critical illness coverage.
Sometimes a small adjustment can make a meaningful difference. We’re happy to take a look at the bigger picture and help you determine which tools, if any, make sense for you.
our partners
Questions?
Contact Tim today.