Insurance & Retirement Strategies
Roger Johansson, LUTCF® provides individuals and families with products and services to help them grow, protect and conserve their wealth
Roger Johansson, LUTCF® provides individuals and families with innovative, cutting-edge products and services to help them grow, protect and conserve their wealth through all stages in life. Taking into account your needs, goals and tolerance to risk, we will work with you to bring clarity to where you’re going and how to get there. Some of our key services are detailed below.
Financial Strategies
We provide personalized financial strategies to our clients that is specific to several variables including their income, risk tolerance, values, and family.
We work with each client to identify and prioritize their goals, explore options, establish effective strategies, construct and execute a plan, and assess the performance of the plan and make adjustments as needed.
Asset Protection
There are numerous financial strategies and retirement income plans that can help you accumulate assets for the future, shield your business and personal assets from liabilities, and safeguard asset transfer to children and grandchildren. We can help you figure out what the right course of action is for your specific situation and objectives.
Retirement Planning
We work with our clients to design and implement a variety of accumulation and retirement income plans, offering insurance products and investment programs. We offer a consistent process to ensure management of investment assets according to your risk tolerances and expected returns investment goals. We then monitor your plan on a continual basis, and adjust and evolve as your needs change.
Estate Planning
A well-engineered estate conservation plan can minimize tax liability and ensure that loved ones are protected. We will work with you and your other advisors to assess the impact of state and federal taxes on your estate and suggest strategies to help minimize those taxes while meeting your personal philosophies and family needs.
401(k) and IRA rollovers
When you leave a job or retire, you have a decision to make regarding your 401(k) money. While leaving those assets in the former employer’s plan is an option, a rollover should be a strong consideration. We can help you determine the right course of action for you.
Disability and Extended Care Needs
To execute a sound retirement strategy, asset and income protection are a must. Designing a strategy that accounts for costs for extended periods of care can help create the necessary balance in a portfolio to ensure stability and protection of assets.
Retirement Income
Preparing for retirement is easier with the help of our guaranteed lifetime income annuity products. You can select an immediate annuity1?that pays income right away, or a tax-deferred fixed annuity1?that allows you to set aside money until you need it. Either way, you will be assured a steady, dependable source of income for life.
Annuities
An annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump sum into a guaranteed stream of income payments. Deferred annuities offer the advantage of tax deferral and can be used to accumulate money for retirement. Income annuities are often immediate annuities used to generate a stream of income payments that are guaranteed to last for as long as you need them to—even for the rest of your life.* Some of the different types of annuities are:
Fixed Deferred Annuities
With a fixed deferred annuity, the interest rate on your policy is guaranteed never to fall below a certain fixed rate.* For many people, this provides a measure of security.
(A fixed deferred annuity is subject to charges for early surrenders or withdrawals. In addition to paying income taxes that may be due, distributions prior to age 59½ may also be subject to a 10% federal tax penalty.)
Lifetime Income Annuities
A lifetime income annuity is an annuity in which income payments begin—one period after the annuity is purchased. It is designed to provide you with guaranteed, predictable income monthly, quarterly, semiannually, or annually, no matter how long you live, and regardless of how the financial markets perform.
Variable Deferred Annuities
A variable deferred annuity offers the advantage of tax deferral and can be used to accumulate money for retirement. The policy's accumulated value—and sometimes the amount of monthly annuity benefit payments—fluctuates with the performance of your variable investment account options. There are fees, expenses, and risks associated with the contract. Please be aware that assets allocated to the investment divisions are subject to market risks and will fluctuate in value.
Life Insurance
Many people think that life insurance is only for people with families. While it’s true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession, or charitable giving plan. And permanent life insurance offers a number of living benefits as well, such as the opportunity for tax-deferred cash value accumulation. For all of these reasons, life insurance can be important for someone starting out—or for someone who's starting over.
Whole Life
Whole life insurance is a permanent life insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid when due. Whole life policies accumulate cash value tax-deferred.
Term Life
Term life insurance policies provide coverage for a specific amount of time—such as one year, 10 years, or 20 years. Term premiums are often initially less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates, unless policyowner elects to renew the policy often at a much higher rate. There is no accumulation of cash value for term life policies.
Universal Life
Universal Life insurance is designed to offer customizable death benefit protection with non-guaranteed planned premiums and a non-guaranteed death benefit. Depending on the product selected and the amount of premium you pay, Universal Life insurance can allow you to keep your coverage for as long as you need it: to age 80, 90, 100 or longer. Because of the policy’s flexible and non-guaranteed nature, it is important to fund your policy properly and actively manage your policy to reflect changes in interest crediting rates and policy charges over the duration of your policy. This policy will terminate if at any time the cash surrender value is insufficient to pay the monthly deductions. This can happen due to insufficient premium payments, if loans or withdrawals are made, or if current interest rates or charges fluctuate.
Variable Universal Life
Variable universal life Insurance combines the premium and death benefit flexibility of a universal life policy with investment opportunities. You may allocate your premium among a variety of professionally managed investment divisions plus a fixed account. Of course, with investment opportunities comes risks along with the potential for reward.
Survivorship Life
Survivorship life insurance—available as whole life—covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.
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