Retirement Income Strategies
Map the right path to your ideal destination
Planning for retirement can be a complicated, intricate process. With so many important decisions to make and so many options available for meeting your needs, it’s important that you have a resource you can count on to guide you step by step along the way.
At Legacy Retirement Services, we analyze your unique financial situation before developing strategies that can lead you to the retirement you’ve spent a lifetime working to build. Because we’re not tied to one particular company or product, we offer an array of solutions for addressing your financial concerns and achieving the goals you’ve set for yourself and your family. We are committed to sharing our expertise and educating you on how to reach your retirement goals.
Whether you’re in the initial stages of planning or are already retired, Legacy Retirement Services can help you make your retirement funds last. From creating an income stream you can’t outlive and maximizing the value of your assets to protecting your family and preserving a legacy for your beneficiaries in death, we have the knowledge and experience you can rely on to feel safe, secure and prepared. We will always keep your best interests at heart and put you in control of your financial destiny.
Medicare Planning
Long-Term Care
Prepare for whatever may come
Long Term Care (LTC) is a variety of services which help meet both the medical and non-medical need of people with a chronic illness or disability who cannot care for themselves for long periods of time. The Centers for Medicare and Medicaid Services (CMS) estimates that about nine million men and women over the age of 65 in the US will need long-term care in 2006. By 2020, 12 million older Americans will need long-term care. A study by the U.S. Department of Health and Human Services says that four out of every ten people who reach age 65 will enter a nursing home at some point in their lives. About 10 percent of the people who enter a nursing home will stay there five years or more.
We can help you navigate your questions when it comes to selecting the right Long Term Care coverage for you and your needs. We’ll look at the following during your initial (no cost) consultation:
Types of LTC coverage available
Who in your family is likely to need Long Term Care
What to look for when buying Long Term Care insurance.
Call us today, so you can feel confident about your future, knowing that you are helping to protect your assets and your family’s well being.
Tax-Efficient Strategies
Don’t let tax implications derail your plans
April 15 can be a dreaded day, or a celebrated one. Legacy Retirement Services understands the importance of making sure you take advantage of all the tax deductions and exemptions available to you, as well as understand the commonly overlooked tax reduction strategies for retirement. We are up-to-date on the latest tax planning and potential reduction strategies for retirees. We can assist with IRA or other retirement account roll-overs and transfers, ensuring you don’t pay any unnecessary taxes, penalties and fees. We can also work with you to understand your Required Minimum Distributions (RMDs) and how to take them so your income in retirement is maximized.
Estate Preservation
Ensure your legacy carries on as intended
Wealth Management
- Stocks
- Stock Mutual Funds
- Stock ETF's
- Bonds
- Bond Mutual Funds
- Bond ETF's
- ​S&P 500 Companies
- Loss Alert Protection
- Annual Dividend (Yield for Income or Total Return)
- Total Liquidity Payout
- Various Indexes
- Managed Indexes
- Principal Protection
- ​Lifetime Income
Royal Fund Management offers Independent Fiduciary Responsibility. As a fee only investment advisory firm, Royal Fund Management does not sell financial products or receive commissions. Therefore, we are obligated, as fiduciaries, to act in the best interest of our clients.
Contact Us
Contact Us
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.
Investment Adviser Representative and Advisory Services offered through
Royal Fund Management, LLC,
a SEC Registered Investment Advisory firm. Legacy Retirement Services and Royal Fund Management, LLC are unaffiliate entities.
Insurance product guarantees are subject to the claims-paying ability of the issuing company. The adviser is paid commissions on the sale of insurance products.
Information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All information is based on sources deemed to be reliable, but no warranty or guarantee is made as to its accuracy or completeness.
Advisory services are offered through Royal Fund Management, LLC, which is registered as an investment adviser with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability.
All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially alter the performance of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client's investment portfolio. There are no assurances that a client’s portfolio will match or outperform any particular benchmark.
Tax and legal information provided is general in nature and is subject to change. Always consult an attorney or tax professional regarding your specific legal or tax situation.