Products & Services
Client-focused Financial Planning. Your Options.
Jarvis Financial Inc. offers a full array of annuity and life insurance products from top rated national brands. We combine services and products with our unique educational approach so you can understand the differences between different financial vehicles, and be able to make informed retirement decisions. Our aim is to devise and implement a financial strategy that you properly understand, and is in line with your retirement goals.
We always begin with a personalized retirement planning analysis. We review all aspects of your financial situation—savings, income, investments, pensions, liabilities, taxes, fees, risk tolerance, and insurance—to determine an optimized retirement plan that will offer you security, growth, and guaranteed income.
There are numerous ways to protect and grow your wealth. Speak with us today and we can begin work on you personalized retirement plan.
Annuities
With traditional safety nets such as company pensions and retirement funds diminishing, many are left trying to answer one question: “How will I pay for my retirement?”
Annuities have become increasingly popular for people approaching retirement. They are financial products created by the insurance
Here are a few reasons why you should think about adding them to your retirement portfolio:
At Jarvis Financial Inc. we take the time to sit down and explain, educate and arm you with the knowledge you need to understand the details of the annuity world.
Retirement Planning
Retirement should be the time to enjoy the life you have worked for your entire career. We specialize in personalized retirement planning.
By finding better ways to manage money and opportunities, we have helped our clients save more and spend less without noticing a lifestyle difference. Our experts can help you maximize your situation with the best investments for retirement. Our retirement advice process is designed to help those at or near retirement answer the following questions:
- Can I retire when I want to?
- Will I have accumulated the money I’ll need?
- Will I run out of money too soon?
- Should I start Social Security now or defer?
- Which should I draw down first, my IRA or regular accounts?
Financial Planning
Financial planning is not a product. It is a process of providing advice and assistance to help clients achieve their financial goals. Every client’s situation is unique—there can be no cookie cutter approach.
Markets can be volatile. You don’t want to get caught running out of money, while also being able to enjoy retirement.
To achieve the ideal balance for your situation, Jarvis Financial Inc. can help you invest your money while taking into account the tax implications, risk, and benefits involved in various account types and investment portfolio options.
Our expert financial team is dedicated to getting you to and through your retirement years in the best possible financial shape with peace of mind. With 25 years of experience, our team of skilled professionals have achieved a history of success. We are your financial partner: Our success depends on your success!
Income Planning
Jarvis Financial Inc. can help you arrange your retirement income sources. Your portfolio should reflect your age, risk tolerance, and your current and anticipated income.
We offer various investment strategies that offer you retirement security. Often the advisor who helps grow your wealth isn’t necessarily the one who should help to distribute it during retirement, and a second opinion is always a good idea. We will help find you ways to maximize your retirement income by calculating the pros and cons of your retirement plan options, including:
- Traditional and Roth IRAs
- 401(k) and 403(b)
- SEP (Simplified Employee Pension)
- SARSEP (Salary Reduction Simplified Employee Pension)
- Annuities
People are living longer and healthier lives, and you may need more retirement income than you had anticipated. For example, 20 years of healthcare if you retire at 65 will mean roughly $15K per year for the average American. Add to that your other expenses, and you could be in the position of needing more income.
Jarvis Financial Inc. will examine your income options to plan your optimized long-term retirement budget.
Wealth Transfer
Our legacy strategies will enable you to pass on your assets to your heirs in a tax-favored status. We know leaving a legacy is important and there are many elements to consider: capital gains, property titles, trustees, executors, etc. We will gain an understanding of your wealth transfer objectives then formulate your optimized legacy plan.
Life situations change, so you should ideally review your legacy plan every few years. We will be able to keep you abreast of the latest insights and legal changes to ensure your estate plan is always in the state you need it to be.
Life Insurance
Life insurance should be a major element of your financial plan. There are multiple factors to consider: your age, health, life expectancy, income, assets and debt. We will help you navigate the policies available, from Term Life and Whole Life to Variable Life, Universal Life, and Indexed Universal Life (IUL)
Life Insurance tends to be purchased and forgotten. This is where a second opinion can be critical. It is possible you have already saved enough that you no longer need the same coverage you have had, and your money may be better off in another investment. Life Insurance plans can offer more flexibility than you might imagine, and any existing plan you have may yield an unexpected windfall.
College Funding
Saving for college can be a daunting task and a significant expense. At Jarvis Financial Inc. we can help take the stress out of planning for college so you and your family can understand all the options available—from 529 plans to Florida Prepaid, and everything in between. We can show you and your family how to save on the high cost of higher education.
LTCI
70% of Americans who reach age 65 will need Long Term Care. Medicaid will only support retirees once non-essential sources of wealth have been exhausted. Long Term Care Insurance protects you against the costs of care at home, transport, and residential care. Policies vary greatly and it is important to find the right policy for each individual. There are hybrid options where you can combine LTCI with other insurance products, such as annuities. We can walk you through all the options.
Social Security
Social Security is a critical element of retirement planning. The key thing is aligining your Social Security payments as part of your overall retiremenet strategy. How do you optimize your income?
For most middle-income couples, Social Security will make up 20-50% of their retirement income, often upwards of $500,000 in lifetime benefits. It makes sense to maximize a retirement asset that is :
With so much at stake, when and how to elect Social Security may be the most important decision middle-income couples make in retirement.
Want to learn more about maximizing your Social Security benefits? We are also experts on the Florida Retirement system.
Feel free to call us today!