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DISCOVER
that the second half of life can be the best - if you're prepared
Navigating the Maze of Retirement Concerns
Retirement Income Planning
Creating successful retirement outcomes is more than just managing assets during retirement. Managing expenses is just as important when developing a financial plan.Do you have the right retirement income plan which can allow you to be "unemployed" for 30 years or more?
Social Security Planning
When to choose Social Security retirement benefits may be one of the most important decisions you make regarding your retirement. Making the wrong claiming decision could cost you thousands of dollars in benefits over the course of your lifetime. We can help you devise an optimal Social Security claiming strategy.
Medicare Planning
Original Medicare, Medicare Advantage or a Medicare Supplement? We can help you decide which option and benefits are best suited for you. Need a standalone Medicare Part D prescription drug plan?
Plans offered from Humana, Care Plus, Aetna, Coventry, UnitedHealthcare and Preferred Care.
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Health & Dental Insurance
The Affordable Care Act (ACA) has changed the way we get health insurance. Individuals and families can now obtained health insurance with either off-exchange plans or on-exchange (Marketplace) plans. Depending on your income and number of dependents you may be eligible for Premium Tax Credits, which will reduce your monthly premium.
You are now required, by law, to have creditable health care coverage unless certain exemptions apply to you. The fee for not having health insurance in 2016 is calculated 2 different ways – as a percentage of your household income or per person. You’ll pay whichever is higher.
Have a small business and looking for a health plan to cover your employees? Your business may be eligible for a Small Business Health Tax Credit for up to 50% of the premiums you cover.
Life & Burial Insurance
When was the last time you had your policy reviewed by an insurance professional? Has it been greater than 10 years? Like technology products, which keep getting better and cost less over time, significant enhancements have been made to insurance products over the last 10-15 years. For the same premium you're paying now you may be able to upgrade to a new policy and get better performing policy features. Give us a call to schedule a complementary insurance analysis and review.
Today a funeral can cost upwards of $15,000, with most averaging between $7,000 and $10,000. Social Security provides a death benefit of just $255.00. Where will the rest come from? Final expense (burial) insurance is used to cover end-of-life expenses such as funeral, burial costs, unsettled debt, outstanding bills and legal fees.
Long-Term Care Insurance
Talk, share, and make decisions in open channels across your team, in private groups for sensitive matters, or use direct messages one-to-one.
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Financial Disclosure & Disclaimer Statement
Stephen J. Stellhorn, MSM Capital Management, LLC and any of their affiliates or any FINRA/SEC member firm(s) or insurance companies they may be affiliated with, either individually or severally, assume no fiduciary or other responsibility or liability for any consequences, financial or otherwise, arising from any investments in the securities, equities, bonds or other fixed income investments mentioned herein.
The content on this site is provided as educational purposes only and should not be taken as insurance and/or investment advice. All site content, including any advertisements which may appear, shall not be construed as a recommendation to buy or sell any security, financial instrument or insurance product, or to participate in any particular trading or investment strategy. The information on this site has not been prepared with regard to the specific investment objectives, goals, risk profiles, financial situation and particular needs of any particular investor or group of investors. This site cannot disclose all the risks and other significant aspects of warrants and/or any other financial instruments mentioned herein.
Investing in the financial markets can involve considerable risk and loss of money. Past performance is not necessarily an indication of future performance. Investments are NOT FDIC insured. You should make your own independent appraisal of the risks and should consult your own legal, financial, tax, accounting and other professional advisors in this respect prior to making any investment decisions.
All opinions and estimates included on this site constitute judgment as of the date indicated or this date (as applicable) and are subject to change without notice. These are the opinions of Stephen J Stellhorn, MSM Capital Management, LLC and its affiliates ONLY and are NOT reflective of the views, opinions or expressions of any FINRA/SEC member firm(s) or insurance companies which Stephen J. Stellhorn and/or MSM Capital Management, LLC may affiliate with in the future. No representation or warranty, express or implied, is made as to its accuracy, adequacy, completeness, timeliness or correctness for any particular purpose. Any warranties, whether express or implied or any statutory warranties of any kind are hereby disclaimed.