Road to Retirement, Inc., a financial planning firm based in New Jersey, emphasizes the importance of guaranteed lifetime incomea and risk management in retirement. The firm specializes in retirement design and underscores how a risk management philosophy based on independent insurance solutions and active portfolio managementb can provide clients with a customized roadmap to help achieve their retirement goals.
What Road to Retirement, Inc. Does for Retirees
Planning for retirement involves knowing where income will come from. For most people, this includes a combination of qualified retirement plans, Social Security benefits, personal savings, and investments. Once an estimate of the necessary retirement funds is determined, it’s crucial to carefully evaluate these potential income sources. Road to Retirement, Inc. offers this thorough assessment to help ensure its clients that their retirement plan is robust and capable of supporting their financial needs throughout retirement.
How Road to Retirement, Inc. Does It
Road to Retirement provides Retirement Income Solutions that are tailored to help ensure the specific needs and goals of retirees. The company’s approach is centered on retirement planning to provide a reliable and sustainable income.
The company achieves this with in depth analyses, face to face discussions and visual representations with clients to layout the appropriate pathway going forward
Insurance Solutions
The firm's mission, "Helping you preserve and grow your retirement nest egg" aligns with the value offered by the company’s independent insurance solutions. Unlike financial professionals tied to a single insurance company, Road to Retirement can choose from various insurers. This allows them to find the appropriate coverage at competitive prices tailored to individual client needs.
- Fixed Annuities are long term insurance contracts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty.
- Active portfolio management, including market timing, can subject longer term investors to potentially higher fees and can have a negative effect on the long-term performance due to the transaction costs of the short-term trading. In addition, there may be potential tax consequences from these strategies. Active portfolio management and market timing may be unsuitable for some investors depending on their specific investment objectives and financial position. Active portfolio management does not guarantee a profit or protect against a loss in a declining market.
Independent insurance solutions at Road to Retirement, Inc. offer several key benefits:
- Increased Options: Independent financial professionals are not limited to one insurer. They can shop across multiple companies to find the right coverage and price, providing clients with various choices.
- Personalized Solutions: No two clients are the same. Independent financial professionals take the time to understand each client's unique situation and goals, creating customized insurance solutions that offer the appropriate value and protectionc.
- Long-Term Relationships: By building close relationships with clients, independent financial professionals can be trusted advisors over many years. This continuity helps provide ongoing advice and adapt coverage to changing needs.
Road to Retirement, Inc. offers a broad range of insurance solutions through its independent channels. These services to help ensure comprehensive protection for clients at all life stages, providing a sense of security and peace of mind.
The firm's approach to insurance advisory begins with a deep understanding of each client's unique situation and financial goals. Advisors prioritize client needs, providing peace of mind through tailored strategies. This personalized service, where each client is valued and understood, is a hallmark of the independent insurance model, fostering trust and long-term satisfaction.
Investment and Asset Management with Core Series Portfolios
A crucial element of a successful retirement plan is effective investment management. At Road to Retirement, Inc., clients benefit from the expertise of Brokers International Financial Services, LLC or Brokers Financial, a partner that specializes in portfolio design, investment management, and ongoing support. The Core Series of portfolios, offered by Brokers Financial, provides a solid foundation for long-term growth, balancing risk with the potential for returns. These portfolios are fully customized to help meet the unique needs, retirement goals, and risk tolerance of each client.
Clients can choose from six Core Series portfolio models, ranging from Conservative to Market Growth, ensuring that their investments are aligned with their financial objectives. For those seeking a more hands-on approach, the Strategic Plus portfolios offer adaptive asset management strategies that respond proactively to market fluctuations, aiming to preserve and grow client investments over time.
- Any references to protection or steady and reliable income streams refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products.
In addition to the Core Series, the Dividend Income portfolios are particularly beneficial for those in active retirement. These portfolios focus on generating reliable income through high-quality, dividend-paying stocks while also achieving long-term growth to combat inflation. This approach helps clients maintain their lifestyle without the constant worry of outliving their savings.
With market volatility, rising healthcare costs, and increasing longevity, having a flexible and comprehensive financial plan is crucial. Road to Retirement, Inc.'s ability to adapt and offer tailored insurance solutions positions it as a vital resource for those seeking stability and confidence in their retirement preparation.
By helping clients preserve and grow their retirement nest eggs, Road to Retirement, Inc. integrates insurance into comprehensive financial plans. This holistic approach helps ensure clients are prepared for expected and unexpected life events.
For more information about the benefits of working with independent insurance agents and the services offered by Road to Retirement, Inc., visit www.road2retirement.net now.
About Road to Retirement, Inc.:
Road to Retirement, Inc. specializes in personalized retirement income strategies and asset management in New Jersey. By offering increased options, tailored strategies, and long-term relationships, the firm helps clients preserve and grow their retirement nest eggs.
Disclaimer: The expert opinions presented in this PR/Story are based on the extensive experience and knowledge of the source company. These views do not necessarily reflect the opinions of the news distribution company and its distribution partners. There is no offer to sell, no solicitation of an offer to buy, and no recommendation of any security or any other product or service in this article. Moreover, nothing contained in this should be construed as a recommendation to buy, sell, or hold any investment or security, or to engage in any investment strategy or transaction. It is your responsibility to determine whether any investment, investment strategy, security, or related transaction is appropriate for you based on your investment objectives, financial circumstances, and risk tolerance. Consult your business advisor, attorney, or tax advisor regarding your specific business, legal, or tax situation. The news distribution company and its distribution partners do not endorse or guarantee the accuracy, completeness, or reliability of the information shared by the guest. Viewers are encouraged to consult with their own experts or conduct their own research when making decisions related to topics of this nature. The source company is the one issuing this release. Please contact them directly for further information.
Disclosure: Investment advisory services are offered through Brokers International Financial Services, LLC. Member SIPC. Brokers International Financial Services, LLC is not an affiliated company.
Media Contact
Company Name: Road to Retirement, Inc
Contact Person: Viresh Bawa
Email: Send Email
Phone: 9086665304
Country: United States
Website: https://www.road2retirement.net/
