919-535-8261

The Complete Cardinal Guide

TO PLANNING FOR AND LIVING IN

RETIREMENT

WE HELP YOU EMBRACE THE 7 WORRIES IN RETIREMENT

THE CARDINAL GUIDE TO:
Strategizing Life Insurance & Estate Planning 

Calculate the amount of money your survivors need to receive quickly after you pass away. Consider purchasing life insurance. If you don’t want to pay ongoing premiums, consider single- premium whole life insurance.

 Update all of your beneficiary designations. Beneficiary designations trump the will and go straight to the beneficiary.

 You need at least four legal documents prepared by an attorney knowledgeable about elder law: a will, a health-care power of attorney, a financial power of attorney, and a HIPAA release.

■ Federal estate taxes are no longer relevant for estates under $5.43 million, or $10.86 million for couples. The step up in basis at death for capital gains taxes is the more relevant issue for middle-class taxpayers.

 Want more information? A complimentary life insurance quote? Fill out the form below so we can give you some personalized options!

Can I Get Life Insurance on my Parents?

When a parent dies, the last thing a child wants to think about is how they are going to pay the bills. For many, this is a sad reality. There are many things that adult children might have to pay for after a parent passes, including: Income for the...

Does Suicide Void Life Insurance?

According to the American Council of Life Insurers, 99% of all life insurance claims are paid to beneficiaries. This leaves 1% that are not paid - are suicide cases apart of this? This raises the question, does a suicide void one's life insurance policy?...

What does Contingent mean in Life Insurance?

When the whole point of life insurance is to give money  to your loved ones when they need it the most, you want to make absolutely sure the right people are getting the right amount. In order to do this, you must understand what primary and contingent...

The 4 Documents You Need to Prepare Before Retirement

For many people, the thought of dying is easier to deal with than the thought of becoming incapacitated. What I find, is a lot of folks that are in their 60s and 70s, they don’t want to deal with the thought of incapacity. Denying the problem doesn’t make it go away....

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Durham, NC 27713

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Charlotte, NC, 28205

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