RETIREMENT SERVICES

Retirement Planning Services

Retirement is a completely different stage of life. You’ve been putting money away your whole career in anticipation that your paycheck will stop one day. When will you have enough money to retire? How do you know which accounts to tap first? How will you keep from running out of money during retirement? Can you leave money to your kids? What about taxes?

At Crosby Insurance Group, we specialize in retirement because we’ve had so many clients with these same concerns. Many innovations in tax-advantaged insurance have helped address multiple risks facing retirees. There are now ways to create lifetime income, wealth transfer to heirs, coverage for long-term care (which is not covered by Medicare), and more. Let’s talk.

  • Retirement Planning
  • Income Planning
  • Asset Protection
  • Annuities
  • Life and Estate Planning
  • Tax-Advantaged Wealth Transfer
  • Life Settlements
  • Liability Umbrella Policies
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SUPPLEMENTAL POLICIES.
RETIREMENT VIDEOS

Here are some videos to help explain some basics about retirement
and retirement vehicles we may want to explore together.

DECUMULATION VS ACCUMULATION

When you decide to retire, you will have to create a monthly income out of the retirement savings you have accumulated. Instead of saving, you’ll be spending; the trick is, how do you keep from running out? It’s a whole different way of dealing with your money!

WHAT IS A FIXED-INDEXED ANNUITY

An annuity might help you convert your retirement savings into a monthly income that can last as long as you live. You can sometimes think of annuities as your own personal pension. But not all annuities are the same. Learn more about fixed indexed annuities.

HOW RMDS WORK

Some people are surprised to find that they have less money saved for retirement than they thought due to RMDs (Required Minimum Distributions) which start at age 72. The money you have in retirement accounts like 401(k)s will be taxed as ordinary income when you take it out.

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