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Money Management

It’s important to align your portfolio with both your risk tolerance and market trends, with the goal of not losing money. If your portfolio doesn’t take advantage of markets trending up and protect your assets in a declining market, you may not be achieving the highest level of returns possible. Paul can help you adjust your portfolio to manage risk, take full advantage of market changes, and exercise more control over your investments.

If you are nearing or in retirement, contact us today to learn more about these money management strategies.


Pensions can be a valuable tool in retirement planning, but many people don’t understand all their options when it comes to pension maximization. Paul can help you figure out if a single life or survivor benefit payout is better for your family and help you make the most out of this retirement tool. You may have many available options for both you and your spouse to make the most out of your pension. Paul can help you answer questions such as:

  • Should I take a life-only annuity?
  • How can I maximize my pension income?
  • Should I choose a joint-and-survivor benefit, which offers a lower payout but one that continues after the retiree dies for as long as the spouse is alive?
  • Should I use all or part of the extra income of a life-only payout to buy life insurance to protect my spouse?
  • Does my pension maximization plan account for taxes?

Understanding the complexities of pension maximization is an important part of the retirement planning puzzle. Contact Paul today to discuss further.

Long Term Care Solutions

In the past, long-term care insurance was seen as a safe way to protect your assets and income. However, much like car insurance, if you never make a claim, you never get any return on the money you paid for premiums. In addition, the cost of LTC insurance has gone up in recent years and it is becoming more and more expensive to keep the same policies.

Which begs the question: is there a better way?

Paul Fair believes that a better long-term care solution is a hybrid guaranteed life insurance policy. Guaranteed premiums will never go up and are available to pay health care benefits when needed. These benefits can he used for:

  • In-home healthcare
  • Assisted living
  • Nursing home care
  • Death benefits

This win-win scenario is one reason why Paul is passionate about helping his clients find a better way to approach long-term care. Contact the firm today to learn more about these hybrid guaranteed life insurance options.

Safe Money Solutions

Annuities have always been known as a good choice for long-term results. There are a variety of options available, but fixed index annuities have become very popular and may be well worth consideration. These annuities use major market indexes to determine the interest rate earned in the annuity.  When the index goes up, interest is earned and credited to your account; when the index goes down, there is no loss in value and the crediting starting point resets for the next term.

Annuities offer many options and can be very confusing, so it can be hard to find an experienced financial advisor who fully understands the ins and outs for your safe money options. This is where Paul comes in.

As with the rest of his practice, Paul believes in providing solutions to his clients to help them protect their money while also producing returns. In retirement, it’s important to look at the return on your investments, rather than the return of your investments. Paul can help you understand all of your safe money solutions and how these personalized approaches can help you feel confident about your retirement income.

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.   |  610.478.9500