​RETIREMENT PLANNING
​We have all heard people refer to life in retirement as “the golden years.” But today, retirees are finding it difficult to develop a comprehensive plan that provides income for a lengthening lifetime, protection for what’s to come in the future and a legacy for loved ones. At Heritage Financial North, we recognize the challenges you face – and have just the knowledge and resources to help you overcome them. We’ll work to help you maximize the value of your nest egg, preserve your wealth, create an income stream you cannot outlive and prepare for all of life’s unknowns. Most importantly, we’ll make sure your plan is aligned with your goals and objectives, and put you on the path to achieving the retirement you deserve.

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​WEALTH MANAGEMENT
With the economic unpredictability we have faced in America, many have learned that managing their wealth requires more education and expertise than ever before. With today’s low interest rate environment and stock market volatility, it has become all the more difficult to ensure that you will have enough to last your lifetime, especially if you are trying to manage your financial picture all on your own.
At Heritage Financial North, we bring the education and expertise to you, making it easy to navigate today’s ever shifting economic playing field. We work to determine your risk tolerance and develop the strategies to match. We identify the solutions that can help make your money last longer while keeping you and your family protected from life’s unknowns. Knowing your assets are protected and that your nest egg is poised to withstand the market’s ups and downs, our goal is for you to achieve the financial stability you deserve.

solving the retirement puzzle one piece at the time

LONG TERM CARE INSURANCE ALTERNATIVES
As our population continues to reach higher ages of average living, the need for various levels of long term care assistance continues to grow at a rapid pace. Only one in 1200 people will need their home owners insurance for serious damage, however 7 out of 10 people over 65 will need long term care services in their lifetime*.
What many people do not know is that there are many alternatives to traditional long term care insurance which may not only protect your long term care needs but also be there for your retirement or legacy needs if you do not end up needing long term care, or utilizing all of your benefits.                             *Source: U.S. Department of Health and Human Services data from 2010

 

​SOCIAL SECURITY MAXIMIZATION
For many retirees, Social Security benefits form the foundation of their retirement income. In order to make sure you get the most out of your benefits, you should have a solid grasp on this complex matter.

Your Social Security retirement benefit represents a lifetime’s worth of savings, time, and work, and is most likely your oldest and largest retirement account. Although many Americans are familiar with the basics of Social Security, very few are able to figure out – on their own – exactly the best way to file so they can get the most out of all they have put in.

At Heritage Financial North, we help our clients understand their Social Security benefits and educate them on how they can maximize their benefits. Delay filing for Social Security can potentially increase your benefit amount by a rate of eight percent per year. 

There is a lot to know about Social Security, and the more you know, the better decisions you can make, helping to bring you that much closer to maximizing your benefit. We will help you get the most you can out of your benefit, so you can take one step closer towards the comfortable and happy retirement you have worked so hard for!

      Heritage Financial North are not affiliated with or endorsed by the Social Security Administration or any government agency.

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