Growth potential is one important consideration for your retirement assets. Protection? That's one, too. IUL can address both of these concerns through the Power of indexing. Indexing is a method that enables policy holders to participate in a portion of the potential rise in the value of a stock market index, while being protected from a potential drop in the index's value.
1- there are many different kinds of indexes. As an example, a common indexing method uses the S&P 500 with a cap and a floor. Below is a comparison of $100,000 investment this century in stock reflected by the movement of the S&P 500 total return including dividend (red line) and the interest credited under an indexing method using the S&P 500 with a hypothetical cap of 13% and a floor of 0% (green line).
1- there are many different kinds of indexes. As an example, a common indexing method uses the S&P 500 with a cap and a floor. Below is a comparison of $100,000 investment this century in stock reflected by the movement of the S&P 500 total return including dividend (red line) and the interest credited under an indexing method using the S&P 500 with a hypothetical cap of 13% and a floor of 0% (green line).
Services
Senior Consulting Financial Group, Inc. serves the 60+ marketplace with straightforward, realistic advice regarding Medicare and life insurance, annuities, and potential growth products based on your individual risk tolerance. Social Security, retirement planning, legacy planning for generations, and creating awareness of being fiscally responsible are important areas of discussion we offer to each of our clients.
From Medicare supplements to Medicare Advantage, we use our longevity in the field to help you choose a plan that will provide both the benefit level you desire - and one that fits your retirement budget. Every situation presents a new set of circumstances, and the choice of the product could well determine your healthcare 5 years from the time you make that choice.
SCFG is ready to help Americans build a secure financial future-one person, one family, one guarantee at a time. Contractual guarantees that offer peace of mind with your life savings. Companies with the highest ratings and Comdex rankings offered. No principal risk here. Largest asset bases and ratings from AM Best and Standard & Poor's with arguably some of the top guarantees for the insured.
With over 22 years in the financial marketplace, we can provide personalized advice with the goal of helping clients determine if their existing financial portfolio and strategies are in-line with their current risk profile and time in their lives. Annual reviews at a minimum occur and more if the client deems necessary.
As you move closer to retirement, it's natural to wonder if your life insurance needs might change. Maybe your children are grown and out of college. Maybe your mortgage is paid off. Perhaps you want to shift policy premiums towards your retirement savings instead - and prepare for immediate needs instead of the "just in case."
Reviews (9)
Tara Werne
Jan 16, 2022
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Derek Baltimore was referred to me by a couple of good friends of mine. After working with him I completely understand why they liked him so much. Derek was very thorough and made sure I completely understood each choice I had re: Medicare, Drug Plans, and Supplements, etc. He took it a step further by offering suggestions as to what plans would be best for me and why they were my best option.
I’m so thankful my friends referred him to me! Save yourself from all the worry and trying to understand everything about Medicare. Just give Derek a call.
I’m so thankful my friends referred him to me! Save yourself from all the worry and trying to understand everything about Medicare. Just give Derek a call.
Ann Hart
Nov 15, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Derek was referred to us by a friend. Derek came to our home twice, answered a multitude of questions concerning Medicare supplement plans. We were quite overwhelmed until he came and explained our options. Derek was very professional and prompt. We would recommend his services.
Derek was referred to us by a friend. Derek came to our home twice, answered a multitude of questions concerning Medicare supplement plans. We were quite overwhelmed until he came and explained our options. Derek was very professional and prompt. We would recommend his services.
Sheila
Nov 12, 2021
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Doug Marek
Oct 29, 2021
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Jonathan Silva
Jan 11, 2017
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Michael Coleman
Aug 10, 2015
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Kathyrn Harrington
Jul 23, 2015
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I met Mr. Baltimore in March 2014 after receiving a card from Senior Citizen Consulting and arranging an appointment. We discussed my upcoming retirement and he advised me on medicare and did the research to help me find the best supplemental insurance for me. He also advised me on the reinvestment of my 401K to allow me immediate funds for use until my monthly retirement checks started. All of these decisions were made much easier with his assistance. He has continued to be available for questions as they arise.
Ernest Zinn
Jun 14, 2015
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Jay Young
Jul 16, 2014
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