We are a financial and insurance services firm based out of Gainesville, Georgia. We truly believe in educating retirees and pre-retirees about the importance of proper retirement income planning. Mack Hales shares his knowledge and years of experience with each of his clients. Through financial education, he helps people make excellent financial decisions.
Whether you are a pre-retiree or are currently retired, protecting your lifestyle and your retirement savings is very important. It's never too late to start implementing financial strategies and solutions to make sure you live a long and sustainable retirement. Everyone should proactively protect their beneficiaries and their retirement funds from the high cost of end-of-life healthcare needs.
Whether you are a pre-retiree or are currently retired, protecting your lifestyle and your retirement savings is very important. It's never too late to start implementing financial strategies and solutions to make sure you live a long and sustainable retirement. Everyone should proactively protect their beneficiaries and their retirement funds from the high cost of end-of-life healthcare needs.
Services
Mack Hales has spent the past 4 decades helping clients prepare for retirement and manage their finances successfully. He also works with strategies that help clients put away much more money for their retirement than they could in an IRA or even a 401k. We involve the client's CPA and/or their tax attorney to be sure the programs meet the proper tax codes.
Here's a fact that may surprise (and possibly scare) you: Social Security commonly replaces up to 57% of a lower wage-earner's income. However, it may only replace 27% or less of a higher earner's income. We do not warrant anything on this website, although we hope everything is accurate. We do not provide legal or tax advice.
Fixed annuities provide a guaranteed minimum interest rate and are considered savings instruments. Insurance companies issue all fixed annuities. They are not government or bank obligations, so naturally they are not FDIC insured. However, fixed annuities have an extraordinary record of safety and offer other benefits.
The most common question we hear about Social Security is, "I know I can't outlive my Social Security benefit, but will Social Security provide me with enough income when I stop working?" Here's a fact that may surprise (and possibly scare) you: Social Security may replace up to 57% of lower income workers' income; however, it may replace only 27% for higher income workers - less than one-third of their income!
The best type of life insurance is the type that is still in place when the insured passes away. These policies are a great way to financially protect your family and transfer wealth to beneficiaries in a tax-efficient manner. While enjoying a longer life expectancy, many more seniors are requiring some form of long-term care during their retirement.
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