Who We Are &
What We Do

Who We Are &
What We Do

Our team started helping clients back in 2004. Over the past 20 years, we have successfully guided several thousand clients towards a happier retirement. We genuinely care about every person we are blessed to encounter and we are dedicated to simplifying and solving your health and financial challenges. Income planning is essential when it comes to protecting your family’s future, and we truly enjoy helping others achieve their retirement goals and attain peace of mind.

Retirement Planning

We here at Core Financial take the guess work out of retirement planning. We are here to listen to your concerns, look at what you have in place and assist you in creating a plan, adjusting your current plan if needed by utilizing the tools we have to maximize your growth and provide you with the income you desire. Your income planning is specific to you and we don’t assume there is just one way to retire. We help assess how much you need every month and make a plan for guaranteed income plus growth. We have the ability to provide a one-page snapshot of all your assets showing how they work together to achieve your needs and desired guaranteed income for the next 30-40 years. Some people have most of their funds in the market and struggle to sleep at night worrying about what’s going to happen next, especially in today’s market. We have products that allow you to have excellent growth, while never risking your principal investment and retaining your gains. We show our clients several options that will achieve solid returns regardless of potential volatility.

Tax-Free Retirement

Whole Life Insurance can do it all. These policies offer a cash value component that accumulates as policy premiums are paid. This cash value typically grows with a guaranteed minimum rate of return. Of course, like the previous examples, it provides a death benefit (tax free), but the insured also has the ability to borrow against the policy’s cash value without creating a taxable event or paying taxes on the growth. These whole life policies not only provide financial security for your loved ones after you pass, they also offer the ability to accumulate cash value, positioning it as an investment tool and savings account you can tap into while you’re still living.

Fixed indexed Annuities

A fixed indexed annuity is simply a tax-deferred, long-term savings option that is designed with the potential to capture a portion of the market’s upside, with guarantees that you’ll experience no loss of premium due to market downturns. The money you place into your fixed indexed annuity and any earnings credited to you will not be lost due to a negative market. There are many types of fixed indexed annuities. Some are designed for growth and accumulation, others offer guaranteed income for life, and if you have concerns about the potential expenses associated with nursing home care, you can adapt your FIA to those life changing situations. Most products are equipped with liquidity features that give you access to some of your retirement savings as well. Annuities can play a vital part in your retirement accumulation strategy-offering both upside potential and premium protection against market risk.

Most investment companies (who do not offer fixed indexed annuities) recommend them as a wise addition to your portfolio.

Life Insurance

Life Insurance can be a wonderful financial tool to protect you and your family.
First, you can create a policy that replaces your income, which your loved ones will receive tax free when you pass. These policies are considered term policies and usually require less premiums, and do not have cash accumulation.
Second, you can purchase a small policy (final expense) that helps take the burden off your family to cover end-of-life expenses. Most of these policies do not require medical exams and have very affordable rates.

Whole Life Insurance can do it all. These policies offer a cash value component that accumulates as policy premiums are paid. This cash value typically grows with a guaranteed minimum rate of return. Of course, like the previous examples, it provides a death benefit (tax free), but the insured also has the ability to borrow against the policy’s cash value without creating a taxable event or paying taxes on the growth. These whole life policies not only provide financial security for your loved ones after you pass, they also offer the ability to accumulate cash value, positioning it as an investment tool and savings account you can tap into while you’re still living.

Here at Core, we review all of your available options, which include all forms of life insurance. We want you to maximize all that you have accumulated, while also protecting the future needs of your loved ones.

How To Maximize Your Social Security

You have worked your entire life paying into the system, so it is very important to us that you receive all the money you deserve from the government in retirement. Let us help you make sure you have a strategy regarding when you should take your benefits and help explain how the system works. We can clarify the differences between drawing this benefit at age 62 or waiting until full retirement age or beyond. Your social security benefit is absolutely specific to you and your work history/income throughout your entire life. Social security should be a piece of your secure retirement income and because “when” you take that income is an almost permanent decision, we want you to make sure it is the right time for you!

Medicare Mastery

Heidi & Kevin have helped simplify and solve Medicare for more than 2,000 beneficiaries. We truly enjoy helping our clients make wise decisions about their health care so much, that we have a separate website dedicated to the single purpose of maximizing Medicare benefits for you. Check us out at CoreMedicare.com.

We are experienced, licensed experts on Medicare Supplements, Medicare Advantage Plans and Medicaid. We provide personalized, detailed, comparative analysis of your current health plan versus other options.

Final Expense

Final expense insurance is a whole life policy that pays medical bills and funeral expenses when you die. It’s also known as burial or funeral insurance. It’s a popular choice among seniors.

Most final expense plans have these features:

  • Whole life insurance – no expiration if premiums are paid
  • Cash value – insured may be able to take out a policy loan
  • Fixed premiums as long as they’re paid
  • Simplified issue – usually no medical exam (also called a life insurance exam) is required, just health questions on the application
  • Easy application process
  • Fast approvals – coverage can often be issued in days
  • Affordable rates

Long Term Care

You’ve worked hard to make sure you have the financial security you want for you and your family. You have tried to prepare for the surprises that life may bring. Even the most well thought out strategy may not be enough to prepare you for the unexpected costs associated with long term care. It’s impossible to predict your chances of needing long term care, or how long you may need it. And it’s important to understand the financial impact a few years of long-term care may have. Most of us will need some extra help with everyday activities. The benefits of long-term care insurance go far beyond regular health insurance benefits.

Let’s face it, we are all living longer, which is fantastic, but with this, we also may be in need of long- term care in the future. Actually, about 70 percent of people over the age of 65 will require this type of care long term care which appears in variety of ways: home care, assisted living, adult daycare, respite care, hospice, nursing home and Alzheimer’s facility care. The average cost per year for these services and facilities range from $60,000 to $120,000 a year. This type of insurance can help the preservation of your hard-earned savings while also alleviating the burden on your loved ones, having to care for you. We can assist you in determining what plan might be best, whether it be traditional or hybrid and what fits your budget.

We’re Here to Help

Contact us to schedule a complimentary consultation today!