Retirement resource for retirees and people close to retiring Discounted Legal Work
We strive to find creative solutions to complex issues in estate planning to meet family objectives, while minimizing estate taxes, probate and administrative expenses. We work with our clients’ advisors, including CPAs, insurance professionals and financial advisors to ensure an integrated team approach to the family plan and to provide viable options to the client for final decision making regarding issues to be addressed by a will, trust, health care proxy, power of attorney or homestead declaration.

Common Sense:
Our clients' #1 need is to have enough guaranteed income to sustain their lifestyle.Common sense dictates that they use contracts specifically engineered to produce guaranteed income to fulfill that need. Fixed Rate Annuities with Guaranteed Income Riders have a much greater guaranteed income payout than any other financial instrument AND provides a refund of principle to your family.

With today's higher life expectancy, will you be able to maintain your standard of living in retirement, and will your income last as long as you do?

Our annuity contracts can be set up to provide you, your spouse, and/or your loved ones with enough income paid to you to last your entire lifetime. You choose the amount of income and it will be guaranteed along with a refund of principle.

Medically Underwritten Annuities
A new option is to obtain a guaranteed income that may be a greater amount than the original tables provide. Our firm specializes in contracts that are custom made for meeting your goals.

For example, an 81-year-old male received an annual guaranteed 17.5% rate of payout for life, along with a guaranteed refund of principle plus the refund of interest. Guarantees are based on claims paying ability of the issuing life Insurance Companies.

Here at Clients First Financial we take an integrated approach using guaranteed elements of your pension and show you how to maximize SOCIAL SECURITY benefits that may be available along with pensions provided by your employer.

Our expert advisors take the time to look at each individual case and to make sure we maximize your pension income. There are often SOCIAL SECURITY and pension opportunities that are overlooked or go unknown. Our advisors specialize in pensions, specifically 403(b), 401 (k), 457, and IRA’s and will provide you with 1 on 1 guidance. Together we can guarantee you financial stability that will last as long as you do.