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 allocation point of view and try to introduce some new ideas for you to think about when putting together a financial plan.

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Retirement Wealth Begins With Risk Management

JS Financial offers three alternative strategies to potentially grow wealth that also seek to mitigate risk of 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.

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Insurance

*Long Term Care Insurance (LTCI) can be an 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.

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*Availability varies by carrier and state

charitable planning

Charitable Planning can be a terrific planning tool that aids in your financial planning strategy to potentially increase your spendable income, reduce taxes, provide a tax-free inheritance to your heirs, and leave a lasting family and social legacy.

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pension plans

A pension plan is a stream of income, generally 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.

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