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| Financial Solutions We care about people and want to help. More than once, clients have purchased insurance products from us that provided a great deal of security for themselves and their families. And more than once, clients have had to rely on the policy benefits for economic survival. It's that rewarding feeling of being responsible for one of the few good things that was happening in a person's life, when everything else seemed to be falling apart, that drives us to continuously improve our services and offer our clients the very best in financial solutions. Putting Your Ideas into Action! Long Term Care Insurance Long term care is something you may need if you can no longer perform everyday tasks by yourself. For example, there may come a time when you need help getting dressed, eating, or bathing. It also includes the kind of care you would need if you had a severe cognitive impairment like Alzheimer's disease. You can receive this care in a variety of settings, including your home, an assisted living facility, or a nursing home. Long term care can be covered completely or in part by long term care insurance. Most plans let you choose the amount of the coverage you want, as well as how and where you want to use your benefits. A comprehensive plan includes benefits for all levels of care, custodial to skilled. In New York, there are particularly innovative and cost-effective ways to insure against this financially devastating event. Haven't you worked hard - isn't it time to insure your efforts? Your parents have too - help them understand their options... Receive a FREE quote and compare your options today for long-term care insurance. Life Insurance Life insurance can be one of the most important pieces of your financial plan. Different kinds of policies can help you achieve different goals. There are three basic types of life insurance: How much life insurance do you need? The answer is: "It depends" -- on your income, your goals and your current financial status. Meet with one of our financial professionals today who can help you determine the right amount of insurance to protect your family and provide you with peace of mind you deserve. Disability Insurance Your ability to earn an income is your No. 1 asset. So why are you more likely to insure other less valuable assets, like your car and home, than your income? It's easy to under estimate the chances of becoming disabled. Most people believe it could never happen to them. They are surprised to learn that the chances of becoming disabled for more than 90 days are 1 in 4. Being disabled usually means losing your income - because you're no longer able to work. But that's where disability income insurance can help. What Constitutes a Disability? In its simplest form, a disability is the inability to perform your job due to a sickness or an injury. Some disabilities, like a normal pregnancy or a sprained ankle, are for such a short period of time that it is more expensive to insure them than to lose the income. Other, longer-term disabilities, like a heart attack or becoming paralyzed, may keep you from working for months, years or even the rest of your life. A long-term disability can have a huge impact on your financial situation because your income would drop or disappear while your expenses continue or even increase. The risk of long-term disability is well worth insuring. Why You Should Consider Your Own Coverage
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to learn more about Disability Insurance. Annuities Annuities are a unique retirement savings vehicles in that they can cover both sides of the retirement planning equation - growing your savings and turning your savings into retirement income that you can't outlive. In its most basic sense, an annuity is a legal contract between you and a life insurance company. You agree to pay the insurance company one or more payments, called premiums. In return, the company promises to pay you income for a specified period of time, such as for the rest of your life, beginning now or at a later date. There are several different options when it comes to Annuities. Call or email us today to schedule your free consultation meeting to determine what type of annuity best fits your overall financial plan. Mutual Funds When deciding to invest in mutual funds, you should first make sure that you have a clear understanding of your investment objectives. When you invest in a mutual fund you are investing in a diversified portfolio of investments that normally fluctuate in value. To obtain the best results, your investment should generally be regarded as a long-term investment (i.e., 5 years or more). Stock and bond markets in which mutual funds invest tend to rise and fall over short periods but generally out perform other types of investments over the longer term. Some funds such as money market or short-term bond funds may be viewed as suitable short-term investments. We can assist you in choosing the right mutual fund, simply request a free initial consultation with one of our financial advisors. Employee Benefits Employer-sponsored retirement and insurance plans play a significant role in many families' daily lives. As business owners we realize how important it is to offer these benefits. Contact us today to find out more about offering any or all of these benefits to your employees:
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Leslie A Strebel Securities Offered Through A Registered Broker/Dealer. Member NASD/SIPC
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