Forward-Thinking Wealth & Estate Services

The Future is Unknown

It would seem like retirement is the time to relax, visit the grandkids, take up a new hobby, you know...enjoy life.  But lurking around the corner for every retiree are a known set of risks that can derail even the best laid plans. Knowing what those barriers are and how to properly plan for them is essential. 

Working closely with you, our goal at National Income & Estate Advisors is to create a resilient retirement plan that minimizes & even eliminates the key challenges retirees face in their journey towards a successful retirement.

Some of these include:​

• Market Risk - Decreases in investment returns, rising inflation, or other market variables & fluctuations.
  
  
• Longevity & Mortality Risk - Will you retirement nest egg last the length of your life, especially since we are all living longer in the modern era? 
  
  Need more income streams?  We have strategies to address this issue and will last as long as you do.
  
  
• Healthcare Risk - It's not a matter of if, but rather a matter of when. We all hope to age well, but the reality is that many of us will face health issues as we get older. 
  
  According to the latest retiree health care cost estimate from Fidelity Benefits Consulting, a 65-year-old couple retiring in 2019 will need an average of $285,000 to cover medical expenses throughout retirement, up from $260,000 in 2016. 
  
  This also doesn't include the cost of long-term care.
  
  
• Tax & Policy Risk -  Whether it's tax laws or policies changes related Medicare & Social Security programs, both will have a significant impact on the costs we pay and the benefits received. 
  
  It's important to have a strategy that weathers those changes no matter the environment. 
  
  
• Financial Risk - From a reduction of income after losing a spouse...to the financial needs of an adult child or your future grandchildren, life can deal an unexpected blow on your financial strength.  Like Healthcare Risk, it's not a matter of if, but a matter of when.
  
  Helping you prepare and plan for such events, will alleviate many of the stressors that limit retirees.

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BE PREPARED, that is out motto here at National Income & Estate Advisors. The better prepared you are...the better prepared you family will be.

Ready to take that next step in protecting your family?

Estate Planning

Many people believe that estate planning is only needed by millionaires and billionaires. But the truth is, anyone who has a home, retirement accounts, bank accounts, or wants to have a say in how specific assets are passed down to specific people or charitable organizations, is best served with a proper Estate Plan.

Interesting fact, what do Abraham Lincoln, Michael Jackson, and Jimi Hendrix have in common?

Each passed on without an Estate Plan, each estate taking decades to unravel.  Some are still restricted to this day.

Most think a will is all they need, that it will protect specific assets while laying out a plan for distribution.  However, due to probate they are subjecting their heirs to the costly and time-consuming process that may result in their will overturned and contested in the court system.

Thanks to advances in modern technology, we offer a streamlined alternative walking you step by step through a process that allows you and your family to maintain control in the execution and management of your own Estate Plan and other crucial documents.  With our guidance and our easy-to-use, step-by-step solution, it is the last Estate Plan you and your family will ever need. 

National Income & Estate Advisors is pleased to offer exclusive access to eState Plan™, a cloud-based state-of-the-art estate planning and medical preparedness system designed to give you the peace of mind of knowing your affairs are in order, no matter what the future brings.  One of the many benefits to our system is the continual access to our top advisors, tax strategists, and legal staff, perks unlike many others in the industry.
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So, what are the steps to get started:

Step 1: Personalized 1:1 meeting with your advisor to gain an understanding of your specific situation and needs.

Step 2: We walk you through the 7 part process of estate planning, including the funding of your family's trust (a process many fail to complete properly) and setting up your necessary health directives. 

And at no additional cost, your eStatePlan™ is easily managed to remain up to date as your life changes. 

Step 3: Advanced tax strategies designed by our experts so you and your family can finally divorce the IRS.

3 Phases, that's all that separates you and your family from taking control of your legacy with the last estate plan you'll ever need. 

As your life unfolds and your needs evolve, our eState Plan™ will be with you 24/7/365.​

Wealth Planning

Do you know what it will cost for you to live a rewarding life during retirement?
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Do you know how much income you can expect from the several income sources you may have?
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Did you know your Social Security benefits will most likely be taxed, meaning the amount the Social Security Administration website estimates as your benefit may not be the actual amount you'll be receiving? 
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It's been said, you only have one chance to get your retirement right.  Exploring ways to maximize your income while reducing your tax burden during retirement are critical steps everyone must take in order to increase their ability to live the retirement of their dreams.
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We work closely with you to develop your custom Retirement Income Plan, considering these key income sources:

• Social Security for you and your spouse
• Pension(s) for you and your spouse
• Annuity Income
• Earnings
• Other fixed or regular sources of income, such as rental income
• One time sources of income

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We also help you calculate your expenses, to see what kind of withdrawal you will need to make on your income to meet your needs of the life you want to live in retirement. Maybe you want to travel, take up new hobbies, or visit the family more.  Either way, it's your retirement to enjoy. 
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We look forward to helping you create a plan that will give you the peace of mind knowing that your nest egg will support you when you need it most.