Do you think market conditions, health concerns, or bad planning will eat away at your hard-earned money?

Don’t have any idea how much money you can spend when you retire and don’t know how to find out?

Concerned you might outlive your money and have to change your standard of living?

Concerned about unnecessarily losing a significant amount of your retirement savings to taxes or not planning adequately for taxes? 

Worried about your Social Security benefit being taxed and/or your other assets at risk from increasing taxes as the years progress?

You could lose thousands of dollars because your money is at risk in the market and you don’t have time to recoup from a loss, or by failing to use your Social Security benefit strategically.

Failing to develop a clear and data-driven plan for your retirement can leave you feeling anxious, concerned, helpless, and out of control.

Retirement Income Planning.

A retirement income plan allows you to make well informed financial decisions for your retirement.  This plan is specific to each family or individual and incorporates assets including any pensions and Social Security and creates a picture of what those assets mean in monthly and yearly dollars.  These plans detail anticipated shortfalls and can be “stress-tested” to help understand specific weak points. These are a living financial document that can be revisited as often as necessary to accommodate any of lifes changes.

Long Term Care Planning.

With increased longevity, long term care planning is a top concern for our clients.  Thankfully there are now many different ways to plan for these needs.  At Barnard Financial, our long-term care planning takes into account your specific health situation, family situation, and budget. 

We have many options to suit your needs including traditional long term care insurance, hybrid plans, and life insurance that can allow you peace of mind in your long term planning.

Annuities.

An Annuity is an insurance contract that allows your money to grow moderately by “touching” the stock market but without the risk associated with stock market investing (similar to a bank CD) and it also can create a lifetime income stream.  These products can be an important part of a safe, strong, and effective retirement plan if they are properly designed by a knowledgeable professional.  Jeremy offers his clients well-designed annuity contracts to maximize their intended purpose, revisits them on a yearly basis with his clients, and will only work with companies that are A-rated and have a proven track record of providing strong results.

Life Insurance Planning.

No longer the basic products of old, today’s life insurance is one of the most powerful wealth preservation tools available. It can be used to pass on wealth tax efficiently, protect against a major illness, and much more to benefit the living as well as protect loved ones in the event of an untimely passing. We help our clients evaluate their life insurance needs, develop goals, and choose the right life insurance for their specific situation.

Investment Advising.

Jeremy is a fiduciary investment advisor representative. Unlike non-fiduciary agents, Jeremy is legally bound to only offer advice in his clients' best interest. He offers investment options tailored to each individuals' unique risk tolerance using portfolios that are GIPS certified, tactically managed and designed for safety and security.

Medicare Insurance.

Medicare Insurance can be confusing and overwhelming for many of our clients.  At Barnard Financial, our Medicare specialist helps navigate through the complexity and listens to your specific situation to help you make informed decisions around your health insurance options so you can have confidence and peace of mind.