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    Insurance Planning

    Annuities: Today, the majority of the burden for retirement income seems to have shifted to the individual.  For this reason, you may want to consider a guaranteed* fixed income component to your retirement strategy.  In short, adding an annuity may be the opportunity to help ensure a portion of your retirement income will be guaranteed.*  An annuity is a contract you purchase from an insurance company.  

    An annuity could play an important part in your overall retirement income strategy.  So, how do you know whether an annuity may be appropriate for a portion of your retirement assets?

    •  Are you retired or nearing retirement?
    •  Do you currently have a retirement income strategy in place?
    •  Do you have steady, reliable income streams or are you working with defined contribution plans, such as a 401(k), 457, 403(b) or IRA?

    If you do not currently have a steady and reliable income streams to cover your basic expenses in retirement, you may want to consider an annuity for a portion of your retirement income strategy to provide supplemental income that can help offset the risk of outliving your money.  

    Together, you and your financial professional should have a thorough discussion about whether an annuity is suitable for you.  

    *All annuity contract and rider guarantees are back by the full financial strength and claims-paying ability of the issuing insurance company.  Annuities are not a deposit of, nor are they used by any bank, the FDIC, NCUA or by any federal government agency.  

    Investing involves risk, including the loss of principal.  No investment strategy can guarantee a profit or protect against loss in periods of declining values.  Any references to protection benefits or lifetime income generally refer to fixed insurance products, new securities or investment products.  

    Life Insurance:  Needs evolve...so should your life insurance.  Evaluating your life insurance needs should not be a one-time event.  In our experience, many financial strategies include life insurance policies that have not been reviewed since they were purchased.  Your life insurance policies are an integral part of your blueprint for life and should be reviewed every year or two to ensure they are performing as you expected and aligned with your current financial goals and objectives.

    If properly structured, proceeds from life insurance are generally income tax free.  There are certain life events that may trigger the need for an adjustment to your life insurance.  The most common are:

    •  Change in martial status
    •  Birth/Adoption of a child
    •  New home
    •  Taking on debt
    •  Planning for college
    •  Planning for retirement
    •  A significant change in assets
    •  A change in your business (for business owners)

    We can help evaluate your current needs and determine if purchasing a life insurance policy may be the right move to help you feel confident in your financial future.

    Long Term Care:  As the oldest baby boomers begin to wind through their 60s, one of the biggest concerns may not be outliving income, but outliving good health.

    For retirees, home health care can cost $50,000 or more per year1, and nursing home care can run as high as $80,0002 per year. Does your retirement income strategy account for this kind of possibility? Would you be prepared for twice that amount as a married couple?

    Considering that you could have to reduce your financial means before Medicaid will pay for long-term care and neither your employer group health insurance nor major medical insurance will cover long-term care, you may want to consider planning ahead for these potential expenses.

    We can help evaluate your situation and determine if purchasing a long-term care insurance policy may be the right move to help you feel confident in your financial future.

    1Genworth 2013 Cost of Care Survey: Home Care Providers, Adult Day Health Care Facilities, Assisted Living Facilities and Nursing Homes

    2MetLife: The 2011 Market Survey of Long-Term Care Costs

    Medicare:  Is a health benefits program for U.S. citizens or permanent residents who meet certain work history requirements:

    •  Age 65 or older
    •  Under age 65 with certain disabilities 
    •  Individuals with end-stage renal disease (ESRD)

    Part A - Hospital
    Part B - Medical
    Part C - Medicare health plans, which must cover Part A and Part B benefits
    Part D - Prescription drug coverage

    History - Medicare was signed into law in 1965.  A brief history of Medicare is available at http://www.cms.gov/History

    Medicare is administered by the Centers for Medicare & Medicaid Services, an agency of the U.S. Department of Health and Human Services.

    To be eligible to enroll in a Medicare plan, a beneficiary must be entitled to Part A and enrolled in Part B.   

    Need help clarifying Medicare and finding the right medical care?  We can evaluate your situation, assist and help clarify complex Medicare plans and determine if purchasing a Medicare Advantage, Medicare Supplement or Prescription Drug plan is right for you.  

    To schedule a time to discuss your financial future and the possible role of insurance and investments in your financial strategy, contact us at admin@pacificexcel.com or call us at (510) 217-8125 today!

    By contacting us, you may be offered information regarding the purchase of insurance and investments products. 

    Contact Us Today!

    Phone: (510) 217-8125

    Fax: (510) 227-5931


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    Alameda, CA 94501-2922

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    *Guarantees provided by insurance products are backed by the claims paying ability of the issuing carrier.

    Investment Advisory Services offered through Global Financial Private Capital, LLC. SEC Registered Investment Adviser.

    Insurance Services offered through Pacific Excel Insurance Services, an Independent Insurance Agency, CA License # 0F91699

    Global Financial Private Capital has no affiliation with the website represented. Global Financial Private Capital is not responsible for their views and opinions, and makes no representations or warranties about the accuracy, reliability, completeness or timeliness of the content and does not recommend or endorse any specific information herein. Our financial calculators are designed as educational tools to help you estimate answers to common financial questions. They are not intended to predict future returns or results. Simply click on one of the general financial topics below and you'll find a selection of easy-to-use calculators about related financial topics. These calculators are hypothetical examples used for illustrative purposes and do not represent the performance of any specific investment or product. Rates of return will vary over time, particularly for long-term investments. Investments offering the potential for higher rates of return also involve a higher degree of risk of loss. Actual results will vary.