Headsail Financial Strategies
Protecting Income & Assets from Hire Through Retire
Group Benefits
We help businesses build a quality benefits package. Whether that is with a group health plan or individual coverage, if the group health is not an option. We provide voluntary benefits, like Dental/ Vision/ DI/ life/ cancer/ and accident plans. We also help implement and manage 401K plans and provide employees with access to advisory services outside of the group benefits. Along with the group benefits, we also work with the business owners on their business planning needs and tax mitigation strategies.
Individual Planning
Not only do we have options for individual health insurance but we help fully protect income & assets. This means protecting your ability to provide income for the household which includes protecting your financial HLV from things like loss of life, an injury, or an extended LTC expense. All of which can be financially devastating to the family. We also help diversify your savings outside of your 401K to provide more investment choices, better tax diversification and more control over your savings.
Wealth Management
We can’t control the market or the economy and the perfect investment doesn’t exist. But we are able to build risk managed portfolios using multiple investment strategies to manage those ups and downs better than rely solely on your traditional asset class diversification and only a mix of stocks, bonds and mutual funds. Our unique approach uses strategy level diversification, multiple risk-controlled allocations and the use of safe money strategies to protect against large losses that can devastate your savings which allows us to focus on growth.
Retirement Planning
Nothing prepares us for all the decisions we have to make when we retire. With the complex Social Security system, all the moving parts of Medicare, all the information you are bombarded with on TV and in the mail, it can be overwhelming and confusing. Our job is to simplify this process so you can make the best decisions around Social Security, Medicare, guaranteed income for life strategies, and not only growing but protecting your savings so you don’t run out of money.