Insurance Planning

Often in retirement, what we do involves family, regardless if it’s traveling, taking care of a spouse or parent, or vacations. So why wouldn’t your retirement strategy include taking care of your family after you’re gone? From long-term care to your final wishes, it’s important to have a plan in place that helps out your family when you’re not able to.

Long-Term Care Insurance

Long-term care insurance helps protect you from heavy financial burdens if you or your spouse is unable to perform standard acts of daily living (i.e. walking, using the bathroom unaided, bathing, etc.). The last thing you should have to worry about in a long-term health crisis is the financial cost. We provide comprehensive reviews of your current long-term care insurance and provide options for hybrid products that include both long-term care protection and wealth preservation.

Life Insurance

Does life insurance even make sense in this stage of life? We believe there isn’t a more efficient way to transfer wealth and plan a legacy than with life insurance. It takes pennies on the dollar to add this tax-free, death benefit to surviving spouses and loved ones.

Health Insurance

Does your current employer-offered health plan work for you? We’ll take a look at your current policy, compare it to other options, and discuss what makes the most sense for your needs.

Medicare

The Medicare system seems to be an ever-changing program. Our office can provide you with the answers to your Medicare questions and concerns. Each year, there are a couple of open enrollment periods, at which point, we will provide our clients the most up-to-date products and supplements for their benefit.

Legacy Planning

It is an important part of every retirement plan to have a legacy strategy to help protect your heirs. We have strategic partnerships with skilled attorneys with an expertise in living wills, trusts, powers of attorney, and other estate planning documents to make sure your legacy is transferred to who you want, when you want them to receive it.

Retirement Income Strategies in Atlanta, GA and Dallas, TX

To schedule a time to discuss your retirement future and receive a complimentary copy of Patrick Kelly’s “Stress Free Retirement.” Fill out the form to get started today!

Contact

  • 2441 Damsel Eve Drive Lewisville, TX 75056
  • Texas Office: 972-439-6206
  • Georgia Office: 404-964-1121
  • 866-768-9338
  • escottlocher@gmail.com

Insurance and annuities offered through Edward Scott Locher, TX Insurance License #213797 and GA Insurance License #524861.The generalized information we provide regarding tax minimization planning is not intended to, and cannot, be used by anyone to avoid paying federal, state, or local municipalities, taxes, or penalties. You should seek advice based on your particular circumstances from an independent tax advisor as tax laws are subject to interpretation, legislative change, and unique to every specific taxpayer’s particular set of facts and circumstances.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims-paying ability of the issuing company.

The term “financial professional” is not intended to imply engagement in an advisory business with compensation unrelated to sales. Financial professionals will be paid a commission on the sale of a fixed index annuity.

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