Services

If you’re 55 or older, transitioning to retirement, or just about ready to take the next steps, the comprehensive and holistic financial planning services offered by Charter Financial Group can help to:

Manage health care costs in retirement through Medicare Advantage or Medigap coverage
Plan ahead for the possibility of extended nursing care with strategies to cover those expenses
Protect you from market losses while growing your savings at the same time
Secure your legacy with a tax-efficient estate plan

Medicare Options

Whether you want a Medigap plan to help pay out-of-pocket expenses, a Medicare Advantage plan with added benefits and services, or prescription drug coverage, we will review your options and help you find the best available coverage.

What Type of Medicare Plan Are You Looking For?

MEDICARE SUPPLEMENT

These plans, also known as Medigap, pay some out-of-pocket expenses for doctor or hospital visits that Medicare doesn’t completely cover, including co-payments, coinsurance and deductibles. While these policies cover the same basic benefits, some offer additional coverage and deductible limits.

MEDICARE ADVANTAGE

Also known as “Part C” or “MA Plans,” they are offered by private companies approved by Medicare, which pays approved benefits. There are several types of plans. Most include Medicare prescription drug coverage; some offer vision and dental. Your plan’s benefits may change each year so be sure to contact us with any questions.

PRESCRIPTION DRUG PLANS

If you’re signed up for Medicare Part A and B or have a Medicare Advantage plan (without drug coverage), you can offset drug costs with privately administered coverage offered by insurers. We can find what coverage works best for you based on whether you get your medications from your local retailer or a preferred mail-delivery network.

We’re known in the community as the Medicare specialists because we offer you choices from the best plans available based on your unique situation. We gather all your important information about your current medications, which doctors you go to, and any health conditions you currently have and use this information to research the plans available in your state to find the best option at the lowest cost.

We also meet with you once a year during the Medicare open enrollment period to ensure that you will be in the best plan for the upcoming year. Medicare health and drug plans often make changes to their policies each year, including changes to costs, coverage, and what pharmacies and doctors are in their network, so this is an important service we provide as part of our commitment to you.

If you want more information, check out our Online Resources with videos on Medicare basics and how to help a loved one chose a Medicare plan.

Long-Term Care

Get coverage for expenses and services not covered by health insurance, Medicare, or Medicaid.

Planning for the possibility of needing long-term care and financial strategies to cover that care should it become necessary is a key step within an overall retirement plan that many people skip. Without a long-term care plan in place you may risk having to use your hard-earned nest egg to pay for care, and you may not have the option to choose the type of care you receive. Family members might also have to step in but many people don’t want to become a burden to their family.

At Charter Financial Group, we take a holistic approach and want to do everything possible to make sure your retirement nest egg isn’t wiped out due to unexpected health care costs. Many annuity and life

Asset Protection

Protect your retirement future with guaranteed income you won’t outlive by adding a fixed annuity to your investment mix.

When you work with us, we pay special attention to ensure your assets are diversified so that you aren’t too heavily invested in stocks, bonds or variable products which pose a threat of devastating your retirement assets during a market downturn. What’s more, if your portfolio is no longer earning income, you might not be able to “buy low” and take advantage of any subsequent market recovery.

That’s why we often recommend, when suitable for our clients’ objectives, the inclusion of a fixed annuity in their income portfolio. Annuities, including fixed indexed annuities (FIAs), can provide you with a guaranteed stream of income no matter what happens to the rest of your portfolio. They are insurance contracts that allow you to take advantage of the upside of the market without the risk of losing money. Through our partnership network, we are able to access the best available guaranteed returns from highly-rated insurance carriers.

insurance products now offer add-on provisions to help pay for long-term care. Other policies will pay a death benefit if you don’t need the coverage for long-term care services.

Asset Protection

Protect your retirement future with guaranteed income you won’t outlive by adding a fixed annuity to your investment mix.

insurance products now offer add-on provisions to help pay for long-term care. Other policies will pay a death benefit if you don’t need the coverage for long-term care services.

Estate Planning

Secure your legacy with a plan that not only transitions your wealth, but also your most important family values for those you care deeply about.

Planning for what may happen after you have passed on isn’t always a pleasant conversation to have with a spouse and family members, but failing to plan for this event is just planning to fail. Charter Financial can support you with a detailed fact-finding analysis to finding out what is most important to you when it comes to taking care of your loved ones when you are gone.

We offer solutions based on decades of experience and work closely with licensed estate planning attorneys, who have been vetted by our team to be ethical and knowledgeable. Together we put a plan in place that ensures your goals and objectives are carried out exactly the way you would want them to be.

Life Insurance

Cost-effective, tax-efficient life insurance can protect you, your family, your assets and your business.

If you’re wondering about an effective way to protect your loved ones, supplement your retirement income and cover unexpected expenses, then let’s explore your options. Life insurance offers many benefits in addition to its primary function of protecting your loved ones with a tax-free death benefit.

The living benefits include the ability to grow your policy’s cash value tax deferred. Through policy loans or withdrawals, you can help pay for a child’s or grandchild’s college education. We can establish an amount to pay for higher education when we create your life insurance program. Tax-efficient withdrawals or loans can also offset unexpected expenses like making home repairs, among other things.

Charter Financial can design a life insurance strategy that is tailored to your needs and provides other living benefits, including chronic and long-term care benefits.

Other Insurance Products and Services

Charter Financial seeks to assist our clients with all of their retirement and risk management needs through a wide range of insurance products. Learn more about the different insurance policies and coverages at our Resources page.

DENTAL INSURANCE

Offset a portion of the costs associated with dental care for your family or business with affordable coverage.

DISABILITY INSURANCE

Did you know more than 1 in 4 people today will become disabled at some point before retirement? Protect your income and earnings, and financial future.

FINAL EXPENSE INSURANCE

Pre-plan for the costs associated with funeral arrangements and protect your family from the burden of an expensive funeral.

VISION INSURANCE

Find out about annual coverage for eye examinations and partial or full coverage glasses, sunglasses, and contact lenses, with or without copays, depending on your options.

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