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Term Insurance: Is It The Right Life Insurance Strategy for You?

4/25/2016

 
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What’s your most valuable asset? Your home? Your investments? A collection of valuable cars or art? If you’re like many people, it’s none of the above. Your most valuable asset may very well be your ability to generate income and financially provide for your family.

One of the most basic steps in any financial plan is making sure you have tools in place to protect that valuable asset. That protection often comes in the form of insurance. If you pass away and are unable to provide for your family and loved ones, life insurance can help fill the financial void. Your loved ones can then use your life insurance death benefit to pay debt and fund their living expenses.

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Annuities 101: 5 Commonly Asked Questions about Annuities as a Retirement Income Tool

4/18/2016

 
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If you are approaching retirement, you may be researching various investment tools and vehicles that could help you fund your lifestyle and living expenses. In your research, you have probably read or heard about annuities as popular retirement income vehicles.

An annuity may be an effective retirement planning tool for you. However, they’re not for everyone. There are also many different types of annuities with a variety of features, so it’s important you choose the right product for you.

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3 Hazards to Avoid when Planning an Early Retirement

4/16/2016

 
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According to a recent study from HSBC, 72 percent of American workers over the age of 45 would like to retire by the time they are 50.1 Unfortunately, many of those workers may find that dream to be elusive.

It’s obvious why so many people want to retire early. If they can do it successfully, they get to stop working and do what they wish with their time. They may be able to add years, or even a decade or more, onto their retirement.

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Roth or Traditional: Which IRA Should You Choose?

4/4/2016

 
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Thinking about contributing to an individual retirement account, or IRA, this year? That could be a good move. An IRA allows you to save for retirement on a tax-advantaged basis, which could help you grow your savings at a faster rate.

Depending on your situation, you have several IRA options to choose from. Two of the most popular are the traditional IRA and the Roth IRA. Each has its own unique features and benefits, so you should consider your goals and needs before making a commitment to one.

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    Kirt Carstens

    Carstens Financial Group focuses on providing comprehensive asset management, estate planning and life insurance solutions. Allow us to help you secure your financial future.

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Kirt Carstens, CLU, ChFC
Investment Advisor Representative
P: (712) 332-5960
F: (712) 332-5391

605 Hwy 71 S
Arnolds Park, IA 51331
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This information is designed to provide a general overview with regard to the subject matter covered and is not state specific. The authors, publisher and host are not providing legal, accounting or specific advice for your situation.

Securities and Advisory Services offered through CreativeOne Securities, LLC Member FINRA/SIPC and an Investment Advisor.  Carstens Financial Group and CreativeOne Securities, LLC are not affiliated.
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This information has been provided by a Licensed Insurance Professional and does not necessarily represent the views of the presenting insurance professional.  The statements and opinions expressed are those of the author and are subject to change at any time.  All information is believed to be from reliable sources; however, presenting insurance professional makes no representation as to its completeness or accuracy. This material has been prepared for informational and educational purposes only.  It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. 

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  • Home
  • About Us
    • Pro-Am
  • Services
    • Retirement Income Strategies
    • Tax-Efficient Solutions
    • Investment Planning
    • Long-Term Care
    • Estate Preservation
    • Securities
  • Resources
  • Blog
  • Contact