Mon–Fri 9–5 · Evenings by appointment Phone · Video · In personCall 850-766-6734
LongevityFINANCIAL

Services

Education and lifetime income solutions focused on one thing: dependable income for a long retirement.

1

Retirement Income Planning

We start with the monthly income you want in retirement and compare it to your expected income from every source. The result is a clear picture of any income gap and the options that may help close it.

  • Monthly income and expense review (essential and discretionary)
  • Income gap analysis
  • Planning for inflation and a long retirement
  • Survivor income planning for spouses
2

Annuities & Lifetime Income Riders

Fixed and fixed indexed annuities are contracts that can turn part of your savings into a reliable income stream, including income you cannot outlive when a lifetime income rider is added.

Guarantees are backed by the financial strength and claims paying ability of the issuing company. Annuities are long term products and are not right for everyone.

  • Guaranteed lifetime income options
  • Principal protection from market losses
  • Income for one life or for you and your spouse
  • Clear explanation of surrender periods, fees, and rider costs
3

Life Protection

Life protection policies can replace income, protect a surviving spouse when a pension or Social Security check stops, cover final expenses, or leave a legacy.

  • Term and permanent life coverage
  • Pension and survivor income protection
  • Final expense coverage
  • Legacy planning for children and grandchildren
4

Pension Choices Education

Choices made at retirement, like your pension payout option or a lump sum offer, can affect your income for the rest of your life and your spouse’s too. We help you understand them before you sign.

Longevity Financial is not affiliated with any pension plan, including the Florida Retirement System. Always confirm official benefit estimates with your plan administrator.

  • Single life versus joint and survivor payout options
  • Lump sum versus monthly pension decisions
  • Deferred retirement programs, including FRS and DROP
  • Coordinating your pension with your other income
5

Social Security Timing

When you claim Social Security can change your monthly benefit for life. We walk through your estimates so you can see the tradeoffs.

Longevity Financial is not affiliated with the Social Security Administration. Get your official statement at ssa.gov.

  • Benefits at 62, full retirement age, and 70
  • Spousal and survivor benefit basics
  • Coordinating with your pension
  • Using your my Social Security statement
6

Medicare & Long Term Care Awareness

Healthcare is one of the biggest costs in retirement. We help you plan ahead so these costs don’t catch you off guard.

Longevity Financial is not affiliated with or endorsed by Medicare or any government agency.

  • Medicare enrollment timing basics
  • Estimating healthcare costs in your budget
  • Long term care cost awareness
  • Life protection and annuity options with care benefits

Let’s talk about your retirement income.

No pressure and no cost for the first conversation. Bring your questions.

Schedule a ConversationCall 850-766-6734

What happens next

  1. Pick a timeChoose a time online or call. Phone, video, or our DeBary office.
  2. Short first conversationAbout 20 to 30 minutes. We listen to your goals and questions. No cost.
  3. Your next step, your callYou leave with a clearer income picture and decide if you want to keep going.
Call Schedule