Specializing in Retirement, Social Security & Medicare Planning, RICP®
Specializing in Retirement, Social Security & Medicare Planning, RICP®
Three Generations of Experience...
The Clark family has been helping people with their insurance and retirement needs for three generations. Our dedicated staff of health & wealth advisors are here to educate and guide you through Retirement Planning, Medicare, Long Term Care, and a Guaranteed Income for life. With a vast knowledge of our many carriers, we are equipped to shop for the best policy to suit your medical and financial needs. Our job is to help you navigate through the sea of policy options and clarify any questions or concerns you may have along the way.
We’ve successfully served thousands of clients, determined to treat each individual with respect and compassion. We understand shopping for insurance can be overwhelming, but our team does the work for you. Maintain your peace of mind knowing we have your back.
Our Approach
At Senior Solutions Insurance Agency, we specialize in helping you plan a successful retirement. Our approach will educate and empower your understanding of Social Security, Medicare and a lifelong income. As a family business we represent your needs and will always go the extra mile when it matters most.
Suprisingly, healthcare costs and Social Security income have not traditionally been included in retirement planning. Traditional financial planners have focused on helping in three areas: savings and insurance (to protect what you have), investments (to accumulate wealth), and legacy (to distribute what you have).
Financial professionals who don't account for health care costs in a retirement plan and who don't tap Social Security's full potential put retirees at risk of not having enough money for your retirement expenses.
When you work with our family, we help prepare you for higher healthcare costs and the possibility of extended care costs and make sure that your Social Security income is maximized, so that your savings and insurance, investments and legacy are on solid footing. We consider the more complicated pieces that can interfere with your retirement goals, and we help you manage a comprehensive and ongoing retirement plan.
No matter where you are in the retirement process, we'll guide you through key retirement decisions and show you how they may impact each other.
The RICP® Advantage
Many fields, such as medicine, include professionals with different focuses and specializations. An MD, for example, is the mark of a respected physician. But did you know the same differentiation exists in financial planning?
That’s what designations like the RICP® mean: that advisors with them are educated to serve you in a complex area with specialized, in-depth knowledge that goes beyond general financial planning.
Let’s put it this way: if you were having trouble with your eyes, would you be satisfied with the advice of your general practitioner, who may not have knowledge about eye care? Or would you want to go to an opthamologist, a specialist with specific focus on the area you need to address?
In the same way, an RICP® demonstrates that your financial professional stands for excellence in retirement planning and sets them apart in a crowded field.
Solutions...
Income Planning
Social Security
Social Security
In retirement, your income may shift from a steady salary to Social Security and pension benefits, but can often be inadequate. Creating a reliable income stream can include various sources such as a 401(k), IRA, CD, or annuity.
Social Security
Social Security
Social Security
Social Security is a major source of income for most retirees. Claiming it too soon can reduce your monthly amount as much at 25% permanently and waiting can boost it by 32%, making the claiming decision is more important than most people realize.
Medicare/IRMAA
Social Security
Healthcare is one of the biggest expenses in retirement. A bad healthcare decision can cost thousands of dollars annually, and a lack of planning could ruin a retirement plan. Prescription drug prices are particularly worrisome for many retirees.
Legacy Planning
Legacy Planning is deciding while you're alive how you want your estate distributed after your death. But it can be more than just leaving your children an inheritance. Failing to plan for your own death may leave your life partner or other loved ones in financial trouble.
Business Succession
Business Succession
The strategic process of identifying and developing internal talent to fill key leadership roles, ensuring business continuity when owners or executives leave, retire, or pass away.
Wealth Transfer
Business Succession
Wealth transfer is the process of passing assets—cash, investments, property, or businesses—from one person (usually a parent or grandparent) to another, or from one generation to the next, often to minimize taxes.
Long Term Care
This refers to when you need help performing at least 2 activities of dailing living such as: eating, bathing, dressing, transferring, toileting, continence. Sadly, long term care is not considered medical care and not covered by Medicare.
Ancillary Benefits
Ancillary Benefits are additional, non-medical insurance coverages—such as dental, vision, hospital indemnity, and disability insurance—that complement primary health plans to support well-being and financial security.
Seminars
Seminars
We host a variety of educational seminars including taxes in retirement, Social Security, Medicare & more.
