Questions you should be asking about your financial health

Hello Everyone,My desire to educate and help people all started when I began my professional career in the Health, Safety and Environmental arena. My role was to protect people so they would go home from work the same way they started their day – SAFE! After 25 years in that arena, I wanted to help people in my new career in this area so I could manage risk when it comes to creating a stable financial future.I know we are living in pretty scary times. As a financial consultant and group benefits advisor, I have received so many calls from clients who are either getting laid off or having to lay off employees. I’m grateful to be in a position as a financial professional to help them move their old 401(k) or repositioning their coverage.Some questions that people might be asking themselves are:Life InsuranceDo I have enough or how much should I have? Those needs will vary and the options are many and can be confusing if there is nobody qualified to help them.Business succession strategies – what are my options? So many business owners might not be aware of what this strategy can do to save their business or improve their standard of living at retirement.Alternative for children’s college savings? Traditional college plans are great, but are you willing to look at other options?Tax saving strategies? Some options can reduce your tax liability, especially in retirement.Reducing market risk? Would someone want to learn more about taking advantage of gains, but reducing your risk in the event of a down market?Long Term CareAre people worried about saving and the impacts of medical and health care costs as they are older? We have alternative options specially designed based on needs and qualifications of the client.DisabilityShort and Long Term (Ideal for business owners needing income in the event of a loss due to an injury or illness)Fixed and Indexed AnnuitiesRetirement protection that is specifically tailored to the client’s desire to spend their retirementLegacy planning for grandchildren and people with special needsSome annuities can also help address long term care costsHealth InsuranceGroup health benefits plans (affordable and innovative options for businesses as small as 2 employees)Fully insured (guaranteed issue) group optionsLevel-funded and self-insured group health plans for qualified businesses (cost-effective and companies could get a partial refund of premium for good claim years)Individual plans (including “child only” plans), however, the preferred approach is for short-term plans for transitional people in-between jobs or on a long waiting period at their new place of employment. Individual exchanges offer few options and networks and benefits tend to be smaller. Medicare Advantage, Medicare Supplement Plans, and Prescription Drug Plans (especially people aging into Medicare such as turning 65 in the upcoming months). Seniors having questions or concerns about their current coverage and make changes during the Annual Enrollment Period which is typically October 15th to December 7th.I also work with many strategic partners in helping business owners, families and individuals achieve these financial goals. To learn more about the nature of those partnerships and other questions about what I do, please contact me below.Christopher ArendPhone – 832-814-9514Chris@Assuranceforhumans.com WWW.ASSURANCEFORHUMANS.COM