Prioritizing Your Retirement Savings with a 401k or IRA Plan
Security goes beyond insurance. Financial security is equally important. Let our financial advisor and team of experts help you plan for a safe and secure future for you, your family, and your business.
Our Financial Services
Our financial services are backed by a team of experienced, relatable, and passionate professionals. Learn how our team can help you plan your finances for the future below.
Our team can help you successfully rollover your current 401k, while providing you with invaluable investing options.
Estate planning goes well beyond making a will. Learn how we can assist you in estate planning without adding stress to your life.
Let us help you maximize your Social Security benefits, pension payments, and more to ensure your retirement years are fulfilling and enjoyable.
What is financial planning?
When you choose to utilize financial planning, you will be able to set and meet your financial goals through proper management of your finances. This can include anything from taxes, living expenses, child care costs, insurance, and more.
With proper financial planning from B2 Insurance, you can ensure that you have the right amount of money in your hands for a more successful and stress free future.
What is included in a financial plan?
Our financial planners will develop a plan that will review your net worth, goals and objectives, investment portfolio, other investments, cash flow, 401k retirement planning, tax planning, insurance needs, as well as a separate plan to implement these changes in your life.
Why is financial planning important?
Financial planning allows you to create meaning and direction to any and all of your financial decisions. With our financial planning services, you can take away some of the uncertainties in your life and ensure that your finances are exactly where they need to be for a comfortable future.
Adapting to life changes, meeting goals, and planning for the future are easy when you have adequate funding. By utilizing our financial planning services, you will be able to secure enough funding to combat life’s most pressing issues with ease.
Are there more ways to save besides a 401k?
Yes. There are many different retirement accounts and plans that can be used to help you save for retirement. A 401k is a retirement savings account that is administered by your employer. Both you, as the employee, and your employer make contributions to this account with pre-tax dollars.
Other retirement accounts have different limitations, qualifications, and terms, allowing you to find the plan that works best for your lifestyle. Some of the many retirement plans that we can help you with are:
To learn more about these plans, please click here.
How are insurance and financial planning related?
Insurance is one of the most important elements of any sensible financial plan. There are many different insurance plans that can help keep your loved one protected in different ways against the cost of illnesses, accidents, disabilities, and death.
Unlike other wealth management firms, our financial planners have expertise in both financial management and insurance to ensure that you are not only getting the best rates for your insurance, but that they are also accounted for in your overall financial plan. This added benefit can help you plan for your future all under one roof.
How does a 401k affect my take home pay?
Depending on your financial plan, your take home pay may be slightly lowered. What many individuals do not understand is that because the funds taken out of your pay are pre-tax dollars, this means that your taxable income is lowered.
This lowers the amount of taxes you pay at the end of the year, which can balance out your slightly lower pay.
What is included in my estate?
Your estate is a collection of all of your assets. This can include items, such as:
These assets can be owned solely by you or jointly with others.
The value of your estate is equal to the fair market value of the full collection of the property you own after debts are deducted.
Do I need estate planning?
Yes. Everyone needs estate planning, no matter if your estate is small or large. In estate planning, you assign someone, a beneficiary, to manage your assets and make healthcare decisions on your behalf if you are not able to do so on your own. Without an estate plan, a judge will appoint someone to handle your assets and personal care for you.
With the help of a professional estate planner, you can rest assured that your estate is in the right hands. They will have the expertise and knowledge to help you properly plan your estate and ensure that you have complete peace of mind.
To learn more about the benefits of estate planning, click here.
I don’t know anything about investing. Can I still plan for retirement?
Yes. Although you do not know much about investing, it is important to start planning for retirement as soon as possible.
Our financial planners at B2 Insurance can help you understand your investment options to assist you in your retirement planning. They will take away the stress of figuring out how much to save, how to save it, and what needs to be done to start saving and ensure that you can retire comfortably.
Sitting down with one of our financial planners can take away the uncertainties of your financial future.