Quality products from exceptional companies

Financial Planning

 

At Schwartz Insurance Services we believe that life is more than a paycheck. Our mission is to ease your worries and help you create a sound financial strategy that provides not only a steady paycheck for life, but a playcheck as well.

As Part of The Schwartz Insurance Services Process, we'll help you create a retirement income plan that balances:

  • Daily Living Expenses
  • Budgeting for Luxuries & Quality of Life
  • Planning your Social Security Benefits for Maximum Results
    (Social Security can add $1M to your retirement fund*)
  • Factoring in Pensions Withdrawal Strategies
  • Factoring in both Expected & Unexpected Medical Expenses
  • Planning for the unexpected and the inevitable
One of the most imperative decisions you can make in regards to your retirement is when to start receiving your Social Security benefit. There are pros and cons to delaying your benefit, as well as receiving it as soon as you become eligible - at age 62. We can help you navigate this process by showing you precisely what to do, and at what time, to maximize your Social Security Benefit.

Are you seeking guaranteed retirement income or looking for an additional tax-advantaged way to save for retirement?

We have a broad selection of retirement annuity products designed to help fit your needs. Our highly trained professionals are ready to guide you and help you feel confident you're making the most suitable retirement planning decisions.

We can review your current annuity to see if there is a more suitable lower-cost option available that might provide you with more competitive rates.

At Schwartz Insurance Services you will work with a team of specialists who will help you prepare and execute an estate plan is that is right for you and your beneficiaries.

One overlooked aspect of estate planning, other than avoiding taxes is the fact that Insurance documents and other contracts may supersede the wishes you lay out in your will. Making sure all your beneficiary forms are in order, that you are transferring your assets in the most tax efficient manner, and that you have a continuity plan in place to ensure that your loved ones are taken care of while your estate is making it's way through the courts are all vital pieces of your plan.

Give you and your loved ones the peace of mind that comes with knowing that you have a sound financial plan that takes care of them when the time comes. Start the process today, call (719) 382-8979!

Call me to discuss our profitable annuity strategies: (719) 382-8979

Insurance

 

We do everything we can for our loved ones, not because we have to, but because we want to. With the right life insurance coverage, we can be confident knowing that our loved ones will be able to live out their dreams, no matter what the future holds.

If you're looking for affordable life insurance coverage for a specific period of time, term life insurance may be right for you. Permanent life insurance offers many different options, you can find the right guarantees, flexibility and cash value options to fit your needs.

No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and offers many other important benefits.

Health insurance protects you from unexpected, high medical costs. You pay less for covered, in-network health care and get free preventive care (like vaccines, screenings, and check-ups) even before you meet your deductible.

If you fall and break your arm, accident insurance could provide a one-time cash payment to help with co-pays you might incur for treatment. If the broken arm meant that you could not work, you could then file a claim for short-term disability benefits in order to begin receiving weekly replacement income.

Although there is a distinct difference between the two types of coverage, they can certainly compliment each other in the case of a covered injury.

Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and support, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.

Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating.

In the late 1990s, a new financial product was developed to help consumers cover expenses associated with critical illness. Appropriately, it's called Critical Illness Insurance.

This specialized insurance provides a lump-sum, tax-free payment should a policyholder suffer from certain specific critical conditions. Some 600,000 Americans now have this protection purchased on an individual basis or through a plan offered by their employer.

Original Medicare (Parts A and B) helps pay for “medically necessary” care. This means care that’s required to diagnose or treat an illness or condition.

Dental and vision are are not seen as medically necessary. Original Medicare doesn’t cover dental exams, eye exams, eyeglasses or other related services.

Dental and vision insurance plans are offered nowadays to those looking for a dental plan and a vision plan. Combining these two plans into one means saving a lot more money than if you were to buy them separately.

We can help find you the best plan for your Dental and Vision needs.

Medicare Supplements, sometimes called Medi-Gap insurance, have been around since the start of Medicare in 1965. Medicare supplement plans are standardized and available in plans A, B, C, D, F, G, K, L, M and N in the states of Colorado, North Dakota and Texas. A standardized plan simply means that two plans with the same letter will be the same coverage, no matter what company sells them. The standardization of Medicare Supplement plans makes comparison a little easier when everything else with Medicare can seem so confusing and complicated.

At Schwartz Insurance Services, Medicare Supplements are one of our focuses. As local independent agents, we get licensed with highly rated companies that have competitive rates in the states of Colorado, North Dakota and Texas. If you are looking for a Medicare Supplement, we’ve got one to fit your personal needs and situation and we take the time to sit down and explain it all to you in plain English. Additionally, we provide the service on all of our policies. When you call our office, you will speak with a live person and you will have your questions answered right away. It is the kind of service you expect and deserve from a local, independent agent. Click here to learn more information about Medicare Supplements.

Give us a call to set up your free consultation: LET'S GET STARTED

Top Rated Companies We Work With:

 
 
 
 
 

FREE RETIREMENT ROADMAP DOWNLOAD

There are many places you can go to get help with your retirement planning. If you're a do-it-yourself kind of person, or you're just looking for some basic guidance, you can check out our online resources to learn the basics (you're off to a good start!), and we're here to help answer any of your questions.