Investing for the Future
JS Financial isn't here to give you an A-Z formula for how to invest your money in the stock market. Instead, let's look at financial planning from an asset protection point of view and try to introduce some new ideas for you to think about when putting together a financial plan.
Retirement Wealth Begins With Risk Management
JS Financial offers three alternative ways to grow wealth that mitigate the risk of losing money due to stock market volatility. Fixed Indexed Annuities (FIAs), Indexed Variable Annuities (buffered annuities), and Indexed Universal Life insurance (IUL).
Estate Planning
Is your estate plan in order? The answer for most people is no, and many people believe they will get to their estate planning when they are less busy. The truth is, the time is now and we are here to help.
Insurance
*Long Term Care Insurance (LTCI) can be a very integral part of protecting your wealth long after retirement. Many people have an “it won’t happen to me” attitude when it comes to the need for LTC expenses, and the amount of coverage depends on the policy purchased. There are several different ways to obtain LTCI coverage. Depending on your situation, one may be better for you than another - and we are here to help you discuss all the options.
Schedule an Appointment*Availability varies by carrier and state
charitable planning
Charitable Planning can be a terrific planning tool to increase your spendable income, reduce taxes, provide a tax-free inheritance to your heirs, and leave a lasting family and social legacy.
Schedule an Appointmentpension plans
A pension plan is a stream of income, received monthly, that’s offered by a former employer to be paid out during your retired years. This is great, but pension plans are more and more often becoming a way of the past. Even though a pension is technically guaranteed monthly income…there are very real risks for the future of your pension plan. The real crux is making the correct pension election for your individual situation.
Schedule an Appointment
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Check the Background of this Financial Professional on BrokerCheck.
Joel Barjenbruch offers financial planning and investment advisory services and programs through Pruco Securities, LLC (Pruco)(Member SIPC), under the marketing name Prudential Financial Planning Services [PFPS](Member SIPC), pursuant to a separate clienta agreement. Offering insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies. JS Finanical, Inc. is not affiliated with The Prudential Insurance Company of America and its affiliates, including Pruco. Other products and services may be offered through a non-Prudential entity. 1-800-778-2255. JS Financial, Inc. and its representatives do not render tax or legal advice. Please consult with your own advisors regarding your particular situation.
Stacey Barjenbruch (17875679) and Stephanie Bellows (16425017) are employed by JS Financial, Inc. and not The Prudential Insurance Company of America or its subsidiaries.
Securites: [AZ, CA, , CO, FL, GA, IL, IN, IA, LA, MN, MO, MT, NE, NV, NJ, NC, ND, OR, TX, UT WI]
Life Insurance: [IA, MO, NE, NC]
Annuities: [IA, MO, NE, NC]
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