Retirement Planning

We start by analyzing your retirement goals and looking at every avenue that can provide you with a secure retirement income. Stocks, bonds, mutual funds, real estate, debt, tax implications, cash flow (income and expense) current life insurance and annuity policies, and defined-benefit plans (e.g. social security, traditional pensions) will all be analyzed on your behalf.

Estate Planning

We will assist you in developing a comprehensive plan to pass your assets on to future generations. We work closely with Elder Law Attorneys to discuss wills, trusts, beneficiaries, powers of attorney and other documents in an effort to maximize the value of your estate while reducing taxes and other expenses.

Annuities

Should you consider investing in an annuity? If so what type? Fixed annuity, variable annuity, fixed indexed annuity? One of the keys to annuities is to invest in the ones that work the best for you and your family. We work with over 30 insurance carriers that provide many different types of annuities to help our clients reach their goals.

Stocks and Mutual Funds

Whether it is an income stock that provides a dividend or the purchase of common stock to hold and sell or pass on to a future generation, the right stocks or mutual funds may help you reach your financial objectives.

Life and Health Insurance

Insurance is a key component of financial planning. Our licensed life and health insurance agents will help you decide the right type and coverage for your insurance policies. There are many life insurance policies available today that not only offer a death benefit when you pass but can be used to withdraw tax free income in retirement or pay for long term care.

Individual Retirement Accounts (IRA)

IRAs are tax-deferred or tax-free ways of saving for retirement. You can choose from traditional IRAs, Roth IRAs, and 401k rollover options. Virtue has products from hundreds of providers to help you select the type of IRA that best fits your needs.

Savings and Cash on Hand

Emergencies and urgent circumstances may require access to additional funds. As part of our service, Virtue will analyze your individual, marital and family situation and advise you on the best cash management plan to maximize your investment dollars while maintaining sufficient cash on hand.

*Fees may apply. Not part of the underlying contract value, available in a lump sum or cash surrender, or part of the death benefit calculation used to Calculate Lifetime Income Payments. Guarantees based on the claims paying ability of the issuer. Certain fees and limitations may apply. May not be suitable for all investors.