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SBC Financial Services
Steps to Financial Success
At SBC Financial, we are dedicated to helping individuals and couples navigate the complexities of retirement planning with confidence and clarity. Our team uses proven, long-term strategies to develop plans that help you thrive, no matter how markets fluctuate.
We offer a comprehensive range of financial and insurance services tailored to fit your unique situation, no matter what your financial goals. Our experienced advisors take the time to understand what matters most to you, continually working to grow and protect your personal economy.
At SBC Financial, simplicity and trust are at the core of what we do. By building long-term relationships, we aim to empower you with the knowledge and strategies to make informed financial decisions.
Step 1: Retirement Planning
Retirement Planning is the strategic transition from accumulating wealth to managing it during your spending years. At SBC Financial, we review your individual goals, and help you identify the most reliable income sources to ensure a comfortable and secure retirement. Together, we’ll help you build wealth, protect your principal, and create sustainable income for years to come.
Whether you’re in or nearing retirement, the team at SBC Financial provides the guidance, tools, and expertise to help you prepare for retirement on your terms. Let us help you achieve the retirement you’ve always envisioned.
Step 2: Tax Reduction Planning
At SBC Financial, we aim to help you manage the impact of taxes on your hard-earned financial future. Tax Reduction Planning is an important step in your financial portfolio, and careful, strategic, preparation can help to reduce the taxes that you pay in retirement.
Our team will look at Tax Reduction Planning as part of your overarching financial plan, to help you develop and implement strategies that can lessen or shift the tax burdens you face, both now and in the future.
Step 3: Estate Planning
Estate planning is an important step to financial success that can help secure your legacy beyond monetary value.
Contrary to popular belief, you don’t need to be a millionaire to benefit from an estate plan. It’s a vital component of any financial plan, reflecting not only your assets but also your values. Whether you aim to secure your family’s future or support causes close to your heart, estate planning helps you leave a meaningful legacy.
We can help you create a plan that aligns with your dreams and safeguards your family’s financial interests. No matter your wealth, estate planning is the key to protecting what matters most, even when you’re no longer here.
Step 5: Life Insurance and Long-Term Care
At some point in your life, you may have a need for long-term care. Medical insurance often doesn’t cover the cost of long-term care needs like home care, assisted living, or nursing care.
If you have a less than perfect health history, you may have to pay a higher premium for a Long-Term Care policy or you might not even qualify for coverage. Either way, it is important to have some sort of coverage to assist with costs.
Let the team at SBC Financial review your current long-term care situation. Our team of professionals can help you acquire Long Term Care by strategically utilizing Life Insurance.
Step 6: Medicare and Health Insurance
Health Insurance in retirement can be daunting and confusing, especially when it comes to Medicare. Not only are there multiple parts, but it’s difficult to know what exactly is covered. The experts at SBC Financial will help break down Traditional Medicare vs Medicare Advantage, and whether you may be eligible for supplemental coverage.
Outside of Medicare, we can help you find an insurance plan that best suits your current health needs.
Step 4: Social Security Maximization
Your Social Security retirement benefit represents your life and contribution to the workforce. Though many Americans are familiar with Social Security, few know how to optimize to ensure the maximum benefit. Our team of experts at SBC Financial can help you better understand your Social Security benefits and guide you on how to maximize those benefits.
We’ll help you address: