Services

Retirement Planning Guidance I offer:

For fourteen years I have been helping people protect their estates from market downturns, grow their estates for maximum income and prepare themselves for the 70% probability that they will some day need long term care .

I specialize in self-generated pensions that provide guaranteed retirement income for life for you and your spouse that increases over your lifetimes even after you have run out of money. The rates of return of these pensions, based on life expectancies, are virtually impossible to achieve with risk-based investments such as stocks and bonds.

I am associated with David Hollander, CEO and Founder of Liberty Group, LLC, but work only as an insurance agent, not a securities licensed agent. LG Financial and Insurance Services, LLC is my broker. Mr. Hollander provides securities management services to my clients at their request and his agreement. Mr. Hollander is also a highly respected elder law attorney who can help my clients with trust and estate issues.

My beloved wife, Janice Peterson, has been helping people at Kaiser Permanente in San Rafael for fourteen years as a Member Services Representative. She deals with questions and issues regarding health care benefits and costs as well as entitlements under Medicare and MediCal. She can provide my clients with excellent advice.

I am especially trained and licensed to advise my clients on long term care (LTC) insurance and the alternative strategies if LTC insurance is too expensive or not available. Consideration of long term care insurance and the guaranteed ultimate frailty of our bodies and minds is an essential piece of the retirement puzzle. The new stay-in-your-home benefits of the modern long term care policies are especially attractive to those who have decided to face the reality of their eventual frailty.

My goal is that after three meetings with me, you will have a much better overall understanding of your long term financial well-being. I prefer to work with my clients in concert with their professional advisors.