Address: San Antonio, TX 78240 Phone: (210) 454-2486
Exceptional Service & Unquestionable Integrity
Customized Retirement & Insurance Services Tailored to Your Unique Needs
At Baxter Retirement & Insurance Services, we offer customized services based on the unique needs of each client. We always get to know each client before proposing any strategies. Services often discussed include:
Retirement Income Planning
You’ve saved your whole life for retirement. Maybe that money is in an IRA, a 401(k) or coming in the form of a defined benefit pension plan. Some of it might even be in a savings account or a CD. If you combine your accumulated assets with projected Social Security earnings, will you have enough to retire and stay retired, covering your basic needs with enough left over to enjoy life? That question is on the minds of a lot of pre- and post-retirees. We can help you figure out how your income streams can work together in retirement and show you strategies for creating an additional income stream you can’t outlive.
Social Security Maximization
Choosing when and how to draw Social Security can be a tough decision with hundreds of options. Decisions should always be made based on your specific situation, such as marital status, income need and timing. Making the best choice also can depend on additional savings and retirement accounts you may have. We can help you navigate the possibilities, so you get the most from your hard-earned benefits.
Tax Minimization
Taxes will always be a part of life, but we can review your assets and see if strategies to reduce taxes might apply in your situation. Every dollar saved today can work for you in retirement. We also know that most people want don’t want to share their retirement income or their legacy with Uncle Sam. While we can’t get rid of taxes, we can explore strategies to possibly mitigate your tax burden.
Medicare Strategy
Health care costs can take a bite out of any budget. In addition to premiums, you must also consider the costs and co-pays of prescription drugs, eyeglasses, dental exams and more depending on your needs. When it’s time to sign up for Medicare, there are a lot of decisions to make. We pride ourselves on staying up on the latest guidelines and deadlines. We can help you sort through the options and figure out what’s best for you, your health care needs and your budget.
Life & LTC Insurance
After you have planned your retirement income streams and have addressed Medicare and health care costs, many clients turn their attention to leaving a legacy through the form of life insurance. Life Insurance can provide a legacy for a spouse, children, grandchildren or a favorite cause or charity. It’s a way to make sure those you care about are financially provided in the future.
Annuities
Annuities are insurance products that, when used appropriately, can fill an important financial need in retirement. They usually offer a consistent income stream with the goal of providing financial stability and protection. When in retirement, this can be helpful when planning to make sure that baseline expenses are covered each month, while reducing risk exposure. If an additional consistent income stream is of interest to you, we can work together to see if an annuity is right for your situation.
5 Simple Steps to a Successful Retirement: Make Your Retirement a Blockbuster
Do you have doubts about your ability to reach your retirement goals? Are you less than confident about certain aspects of your retirement strategy? Here’s the good news…there’s always time to adjust your plan and get back on track. You can take your retirement strategy from flop to blockbuster with these simple strategies.
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Interested in learning more about how we can help navigate the journey toward your retirement goals? Contact us to schedule a complimentary, no-obligation consultation.
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Licensed Insurance Professional. Provided content is for overview and informational purposes only and is not intended and should not be relied upon as individualized tax, legal, fiduciary, or investment advice. By contacting us, downloading booklets, or attending events, you may be offered a meeting to discuss how our insurance and other services can meet your retirement needs. The presenters of this information are not associated with, or endorsed by, the Social Security Administration or any other government agency.