Legacy Options

Retirement doesn’t have to be complicated. Contact us today to learn more.

How much do you need to retire?

Your plan for retirement is unique to you. Especially after you have grown your retirement savings, you probably want to protect some of it. Total Financial Solutions can help by showing you some options for retirement that may help you answer the question, “How much do you need to retire?”

Of course, our specialty and focus of our practice is about sharing options with you for money protection. Yet, some of the options we may discuss include ways to potentially see a reasonable rate of return, over time, as well. How much you have in savings will also play a part in your decision about how much savings you’d like to keep safe. First and foremost, we believe in strategies that offer protection of your hard-earned money. Secondly, we also believe you should know some different options for leaving your legacy.

generation family playing outdoor games how much do you need to retire
Legacy Options

Your retirement may be about more than just needing money now. You probably didn’t just think about how much do you need to retire. Instead, you have probably thought about how much money you’d like to leave behind, if possible. Then, there are tax considerations to find out about as well. Of course, for any tax questions, you should seek the advice of a qualified tax professional. However, when it comes to options for leaving a legacy, we may be able to show you some options you may not be aware of. For example, did you know that some life insurance policies, such as an IUL, offer death benefits greater than the premium you pay? Also, life insurance benefits, if assigned properly, do not have to go through probate. This can be helpful to your loved ones after you pass away.

Reviewing Your Legacy Benefits

Do you have current life insurance or annuity policies? Would you like a second opinion? Arif M. Halaby of Total Financial Solutions may be able to help. For instance, perhaps you want to better understand your current insurance policies and the death benefits you have. Or, maybe you want to know if there are possibilities to convert your current policies into different types of annuities. Maybe you have questions about some options with your policies that include how money is made available to your loved ones. Whatever your financial goals, retirement has many parts. Determining how you want to leave your wealth behind may be one of the parts of your plan.

Learn More About Your Retirement Options

We regularly host complimentary webinars and live seminars to teach you some retirement strategies for protecting your money. For example, we discuss how “the rich make the rules” and what this may mean for your retirement. Also, we cover what we call the “red line versus green line” idea. Essentially, we want you to understand ways of protecting your money, no matter what the markets happen to be doing.

Total Financial Solutions is Here for You

Our organization is all about serving and protecting people and their hard-earned money. In fact, we don’t believe in trying to convince anyone. Instead, we know that you are the best person to make decisions about your own retirement. All you need is the information. Therefore, we offer several ways for you to get informed, understand potentially new-to-you retirement options, and determine how you would like to leave your own legacy for future generations.

Retirement May Change

Your financial goals may shift as you get older. In fact, if you still have 20 years or more of working, your plan might be very different than someone who is a pre-retiree or in retirement. However, the protection of assets may become more important as you age. For example, you may wish to discover options that have less risk than you were previously comfortable with. You may also begin to think more seriously about how you might leave some of your wealth to future generations.

Total Financial Solutions focused on working with those in or near retirement. Once you’ve grown your money, it may be time to protect it. Let’s chat about some options for protection that may work for your situation.

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