Welcome To Secure your Future!
I’m Linda Cypres, MBA, PhD., and my mission is to secure YOUR future. I would like to highlight for you some of the financial resources and services available to you. As I have been involved in financial services for over 30 years-- specializing in equities, real estate, limited partnerships, financial planning, Social Security, Medicare and insurance--I take a “wholistic” view of each client’s portfolio to offer the best recommendations.
Each of you has different needs, goals, risk tolerance, and portfolios. You may be in pre-retirement or in retirement. You may want maximum growth, or prefer guaranteed income. There is no “one size fits all” in securing your future.
As objectives and interests are so varied, I offer ongoing educational workshops on a variety of subjects. These workshops are designed to educate clients of a variety of options and in today’s complex financial environment.
Workshops on College Planning & Funding, and on Retirement Planning, cover possibly the two biggest challenges Parents and Seniors face in reaching a Secure Future for themselves and their families. Today, the public may be confused about the ever-changing types of options and investments available to them.
All Workshops are educational and free of charge.
- College Planning: Making College Affordable
- The Truth About Annuities: The Good, the Bad and the Fine Print
- Social Security and Your Retirement
- Bank on Yourself: What it is; How it works
- The Top Ten IRA Mistakes
- The Many Faces of Long-Term Care
College Funding Solutions
With college costs skyrocketing out of control, parents must learn the secrets of college funding and some benefits colleges would prefer you did not know. Cutting costs and having a solid cash flow plan can bring you peace of mind and a secure future.
There are many varieties of fixed and indexed annuities that can provide safety, growth, tax deferral and guaranteed lifetime income.
There is also a variety of life insurance products uniquely designed for “living benefits” –which in addition to providing a death benefit, may cover chronic care costs, a future stream of income, along with tax free use of funds within the policy. Some of these innovative products, use the Bank on Yourself or the Infinite Banking Concept (Becoming your own Banker) structure to help with college planning, income planning, healthcare costs and legacy planning. These policies should be designed by an authorized “Bank on Yourself” agent--which we provide with our services.
401k-IRA Retirement Plan Options
Long Term Care
Medicare does not cover chronic care and only part of the expense of home health care. Assisted Living and nursing home care costs have dramatically increased because of greater longevity and medical innovations which prolong our lives while increasing the possibility of needing care.
Many families’ wealth gets reduced or destroyed because they did not make provisions for future health care. At 65, seniors have a 75% chance of needing care at some point in their future-- which will not be covered by Medicare. Transferring this risk can give you peace of mind that you will not outlive your resources.
Fortunately, today there are many new options for long term care. Along with traditional long-term care with annual monthly premiums, there are many new innovative policies that offer chronic care benefits, but with options for a return of your principal, withdrawals, or a tax-free life insurance benefit if you do not use the benefits. Some of these programs can be put into your Retirement Plan.
Tel. 828 350-8994