Helping you get more out of every retirement moment
Designed with you in mind, our retirement strategies work to deliver the clarity, guidance, and support you need to enjoy more of what matters during your best years yet. From protection to growth, you can look to our unique strategies to help you enjoy more of what you love most—now and decades into retirement.
Complete Financial Overview
Assets
A thorough inventory of everything you own—cash reserves, investment portfolios, retirement accounts, real estate, business equity, and personal property—provides a foundation for a well-structured retirement strategy. By mapping both current values and liquidity, we highlight diversification gaps and capture growth trends, helping every dollar work toward your long-term goals.
Income
Beyond W-2 wages, a robust income picture should capture bonuses, commissions, rental earnings, pension benefits, Social Security estimates, and dividend flows. Understanding both the size and stability of each stream helps us build a clearer view of your financial landscape and explore options to support long-term income needs—especially in retirement.
Debt
Cataloging mortgages, student loans, credit lines, and business liabilities—along with interest rates and repayment terms. Understanding these obligations can help spotlight ways to free up cash, improve credit metrics, and sequence pay-downs. Pairing this data with your asset mix helps clarify leverage risks and can reveal refinancing or consolidation strategies that may support long-term wealth accumulation.
Annuity Options
Income
Designed to convert a lump sum into a steady stream of lifetime* income, income annuities (immediate or deferred) help manage longevity risk and protect against market volatility. Payout choices—from life-only to joint-life with period-certain—allow you to align benefits with household cash-flow needs and survivor considerations. Income guarantees are backed by the financial strength and claims-paying ability of the issuing insurer.
Growth
Fixed indexed and variable annuities emphasize tax-deferred accumulation rather than immediate payout. Credited interest is linked to an external index (with floors and caps) or sub-account performance, offering upside potential while postponing taxes until withdrawal—often an attractive approach for those seeking risk-managed compounding.
Long-Term Care
Hybrid contracts wrap a qualified long-term-care rider around a deferred annuity. If care is needed, the contract value may increase—subject to rider terms; if not, the asset remains available for retirement income or heirs. Single-premium funding helps alleviate the “use-it-or-lose-it” concern of traditional LTC policies.
*Guaranteed lifetime income available through annuitization or the purchase of an optional lifetime income rider, a benefit for which an annual premium is charged. Annuities are long-term, tax-deferred vehicles designed for retirement and contain some limitations.
Life Insurance
Term Life
Pure, cost-conscious protection for a defined period (10–30 years) that provides a level death benefit when family obligations and debt loads are highest. Convertible features allow you to switch to permanent coverage without new underwriting if needs evolve.
Universal Life (UL)
A flexible-premium, adjustable death-benefit policy that builds cash value at current crediting rates or index-linked returns. UL policies can allow premium flexibility in years of strong performance, subject to policy requirements, and offer riders (e.g., chronic-illness) to tailor coverage as circumstances change.
Whole Life
Lifetime coverage with guaranteed premiums, cash-value accumulation, and the potential for dividends from the insurer’s surplus. The policy’s steady growth can serve as a lower-volatility asset for future loans, college funding, or supplemental retirement income while still protecting beneficiaries. All guarantees are based on the financial strength and claims-paying ability of the issuing insurer.
Traditional Long-Term Care Insurance
Standalone long-term-care (LTC) policies can reimburse qualified home-health, assisted-living, and nursing-facility expenses once benefit triggers—typically two activities of daily living (ADLs) or cognitive impairment—are met. Customizable daily benefits, elimination periods, and inflation riders may help cap out-of-pocket exposure and preserve retirement assets against rising healthcare costs.
Medicare Supplement Insurance (Medigap)
Offered by private insurers, Medigap plans (A–N) can help cover some or all of the deductibles, copayments, and coinsurance that Original Medicare doesn’t, providing more predictable medical expenses and nationwide provider access. Because benefits are federally standardized, your primary decisions are choosing a plan letter, assessing an insurer’s financial strength, and determining whether to add stand-alone Part D prescription coverage.
Open the door to Moore
Ready to experience more confidence and more opportunity in retirement? Then book your no-obligation meeting today. Let’s talk about what’s possible.
