Insurance and annuities are powerful tools that can be used to transfer risk and leverage wealth. At Hoyt, Lewis and Associates, we help clients take advantage of the capital creation features and tax advantages of insurance and annuities.
Have you ever asked yourself what exactly would happen if I didn’t wake up tomorrow or couldn’t go to work? This is a topic that no one is ever excited to discuss, but is a critical part of the foundation for your overall financial plan. It is also a facet of the planning process that does not call for a “one size fits all” solution. That’s why we work with you to determine what you personally need and then we set you up with the product that makes the most sense for your situation. We work with a vast network of major carriers, so the pricing and protection we can source will always be competitive.
Given the miraculous advances that have been made in medicine over the years, life expectancy is now longer than ever. This is good in many cases, but in others it creates a need for long-term care in a professional medical facility. Events like these are frequently very expensive, and often completely erode the legacy a person had worked a lifetime to earn and protect.
While we don’t believe that a long-term care insurance is necessary for everyone, we do feel long term care planning is. This is an area of the insurance marketplace that is misunderstood by many people. We are here to help you better understand it. Let us do the heavy lifting for you by running an analysis of your situation, and then matching you with the appropriate protection if it is called for.