The four phases of creating a sound financial strategy

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A key to reaching the increased financial security we all desire is having an effective wealth accumulation strategy in place. This must be tailored around your unique financial goals and it must be consistent with your timeframe without impairing your current way of life.

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While many individuals spend a lifetime building wealth, little effort is often spent on devising a strategy to wisely utilize one’s accumulated assets once in retirement and some may be concerned that they may actually outlive their savings. SPECTRA provides solutions such as the use of fixed index annuities which guarantee a retirement income you absolutely cannot outlive.*

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Once in retirement, many individuals find it increasingly important to protect what they’ve spent a lifetime accumulating. After years of faithfully putting money away, the saving years are over and it becomes all the more important to preserve what you’ve built.

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Wealth transfer can be a vital component of your financial strategy. It is the final step in our process and it provides you the reassurance that comes with knowing that you have taken the steps necessary to help prepare for the continued security of your family.

 


* Fixed Index Annuities are designed to meet long-term needs for retirement income, guarantees against the loss of principal and credited interest, and the reassurance of a death benefit for beneficiaries. Guarantees are backed by the financial strength and claims paying ability of the issuing insurer.

Our products & services

Annuities

• Single premium immediate annuities
• Multi-year guarantee annuities
• Fixed annuities
• Fixed index annuities

Life Insurance

• Term life solutions
• Whole life solutions
• Universal life solutions
• Fixed index universal life solutions
• Survivorship coverage

Long-Term Care Insurance (LTCi)

• Home health care coverage
• Assisted living coverage
• Nursing home coverage
• Comprehensive LTCi policies
• Individual LTCi coverage
• Group LTCi coverage

Additional Services

• Retirement income planning
  strategies
• Estate preservation strategies
• Charitable giving strategies
• Legacy planning strategies