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Health Saving Account (HSA), 

It takes a lot of smart preparation and careful thought to cover your goals for the future by putting together a retirement plan. Especially when you consider that studies show the average couple today may need $250,000 in retirement just for healthcare expenses. And that figure could jump to $500,000 in thirty years. A Health Savings Account or HSA can be an important part of your retirement planning and can be used on qualified medical expenses regardless of your health plan.

You can gain great financial advantages – and sweeten your retirement – by investing your HSA funds. 

How does that work?
Just think of your HSA as an IRA for healthcare expenses with similar tax advantages. Your integrated investment account gives you a simple way to grow your HSA so you have more to spend in retirement. To really maximize your savings, consider keeping all funds in your HSA and use other income for medical expenses. Just save your receipts and you can pay yourself back anytime – even 30 years from now! 

Through the power of investing over time, the value of those dollars could be much higher in the future than if you pulled them out of your HSA today.

And after age 65, you can use the money in your HSA for non-medical expenses too. Those funds are only taxed at your income tax rate, which is typically lower in retirement.

And the really good news? Even if you invest your HSA dollars, the money is still yours to spend on medical expenses – now through retirement – with no income tax or penalty tax.
Consider a Self-Directed HSAs to maximize your investment.
 A self-directed HSA is different than a standard account because it allows you to have more investment freedom. Self-directed HSAs offer the unique opportunity to hold alternative assets, such as real estate, precious metals, and more. The earnings from these investments will grow tax-free, allowing you to save more for health expenses. LET'S GET STARTED.

International Insurance - An Invaluable Product

Travel Medical Insurance - International Medical Group

Whether you´re on a luxurious cruise in the Mediterranean, participating in an educational exchange program in Lima Peru, working abroad for an international employer, serving on a missionary project in Ghana, or working aboard a private yacht in the Caribbean - you expect and deserve first-class travel medical protection and service. ENROLL NOW!


Competition = Lower Costs

The insurance industry includes hundreds of different companies hoping to earn your business. It is a very competitive market and it pays to shop around for the very best deals. This is where we come in.

Whether you´re searching for Life Insurance, Annuities, IRA´s and other retirement strategies, Health Insurance or ´ObamaCare´, you must be well-informed and well-advised to get the most out of your premium dollars. An experienced and independent agent who represents multiple insurance carriers can make a huge difference in what you pay for coverage.

Medicare Insurance

Medicare by itself has a high deductible for hospital admission, and it only pays 80% of eligible doctor costs. A serious illness could set you back many thousands of dollars. A Medicare Supplement policy covers all or most out-of-pocket medical expenses providing you with peace-of-mind and potential savings. Let us guide you inchoosing the right Medicare Supplement or Medicare Advantage policy. We can also help you to select a Medicare Part D plan that includes your specific medications.

Individual and Group Health Insurance

Nearly everybody is confused about their healthcare options - and rightly so. You can´t rely on politicians or media reports for a clear and unbiased explanation. You want the facts, not opinions. We´d be happy to evaluate your current coverage and present you with side-by side comparisons of alternatives.

Although Open Enrollment for 2015 Affordable Care Act plans ends for most people on February 15th, some new enrollments are allowed anytime throughout the year. For example, individuals losing group coverage or those who are moving into another state or service area can enroll within 60 days of the event. Small businesses can enroll anytime. Both individuals and small businesses may qualify for substantial tax credits to dramatically reduce their portion of the monthly premiums.

Long-Term Care and Final Expense Insurance

Long-Term Care Insurance gives you the financial means and the support options you desire. Whether you require in-home visits, assisted living or skilled nursing care, Long-Term Care Insurance lifts the burden from those around you, improving the quality of life for yourself and for everyone you hold dear.

Your family will always come first. You wouldn`t want them to bear huge and unexpected financial burdens at the time of your passing. No matter what your age, it`s absolutely essential to have a plan in place to protect your loved ones when you are no longer able. Final Expense insurance will pay for your funeral service, bills and other associated costs.

Why Should I Call This Agency for Insurance?

Good question. There are a lot of insurance agents out there and it may seem like any agent or broker is as good as another. But we are decidedly different.

Let´s face it, insurance jargon can be very confusing. We know the ins and outs of the insurance business, and our inside knowledge of many companies and many products will work to your advantage. In fact, different insurance companies often charge vastly different premiums for the exact same coverage. As independent agents we are not employed by one particular company. Instead, we can select insurance products from among those companies that best address your unique concerns.

We promise to focus our attention on your benefit exclusively.

Please don´t hesitate to call us with your questions no matter whether you are already a valued customer, a potential client or if you simply need expert advice. There will never be a charge for our assistance or for a friendly, no-obligation chat.


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