We can help you determine the answer to that question. Our goal is you to help you plan for a happier retirement. We take the time to help determine if there is a more efficient path for making it through retirement without running out of money. Are you ready to retire or maybe a few years away? What will you do with your 401k or other retirement plans as far as how will you take distributions?
Are you concerned about market fluctuations taking your account down at the wrong time? Have you looked into doing any planning to reduce taxation on retirement accounts? These are all situations we can help you with. Do you know that the government is a beneficiary on your retirement accounts? You have a tax liability that is potentially growing larger and the government can change the rules any time.
Are you concerned about market fluctuations taking your account down at the wrong time? Have you looked into doing any planning to reduce taxation on retirement accounts? These are all situations we can help you with. Do you know that the government is a beneficiary on your retirement accounts? You have a tax liability that is potentially growing larger and the government can change the rules any time.
Services
We handle all types of personal and business insurance needs. Our firm is staffed by people committed to providing our clients with highly personalized service. Our objective is simple: To identify and help minimize our clients' exposure to risk. We accomplish this with emphasis on quality coverage, competitive premiums, and overall simplification of insurance matters.
We believe that the better educated you are on insurance, the better you'll be able to make good decisions about insurance. That's why we've created this resource section. It's here to educate you on insurance and provide you with the resources you will need to select the right plan for you and to get the most out of the plans you purchase.
Term Life insurance is life insurance that you pay for during a specified length of time or term - generally one to 30 years. You select the amount of the death benefit or face amount to meet your needs. Premiums, or payments, which can be the same amount or increase with time, must be made monthly, quarterly, semi-annually, or annually.
Did you know that an annuity is a contract between you and an insurance company, under which you make a lump-sum payment or series of payments? In return, the insurer agrees to make periodic payments to you beginning immediately or at some future date. Annuities typically offer tax-deferred earning and may include a death benefit that will pay your beneficiary a guaranteed* minimum amount, such as your total purchase payments.
If you have a job, it is very likely that you will need short term disability insurance. The possibility of a disabling illness or injury may seem remote, but statistics say otherwise. You actually have a three in 10 chance of suffering a disability* that will keep you out of work for 90 days or longer at some point during your working career.
Reviews (5)
Melissa Magee
Jan 22, 2021
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Positive: Professionalism, Quality, Responsiveness, Value
Joe Swiderski has been very knowledgeable for advising me in determining my insurance needs. I really appreciate the helpful guidance he has provided. He always takes time to ensure my questions are answered or to schedule an appointment to review changes.
Joe Swiderski has been very knowledgeable for advising me in determining my insurance needs. I really appreciate the helpful guidance he has provided. He always takes time to ensure my questions are answered or to schedule an appointment to review changes.
Marti Christopher
Dec 30, 2020
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Catherine Raj
Dec 07, 2020
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Catherine Cobb
Oct 02, 2020
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John Mapes
Jul 14, 2020
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