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Let us Strategize Your Retirement.

With all the options and decisions that come with preparing for the retirement of your dreams, it is all too easy to feel overwhelmed. Bear Market Financial Services can help you navigate those decisions and create a retirement strategy that is tailor-made to your unique financial situation and goals.

Retirement Income Strategies

Retirement is an exciting milestone where you can finally enjoy the fruits of your hard labor to the fullest. But do you have a clear plan on how to secure your income to carry you through retirement? Will you have pension payments, Social Security, or any other form of income? Having a thorough and confident retirement income strategy is crucial if you want to enjoy a secure retirement. At Bear Market Financial Services, we can guide you step by step through the best plan for you based on your unique situation and goals. When we meet with you, we prioritize offering a straightforward perspective and professional guidance to take the stress out of retirement.

Asset Protection

The closer you get to your last day at work, the harder it is to recoup your hard-earned retirement assets after a loss in the market. There is simply less and less time to rebuild any lost wealth that could have been prevented with the right foresight. We believe that by addressing this risk at the front end of your retirement process, you could be able to protect your portfolio from market volatility. At Bear Market Financial Services, we can provide you with the tools you need to fortify the wealth you have worked hard for and protect the financial security of your retirement.

Competitive Fixed Rates

In 2022, the Federal Reserve announced that they are raising rates by 0.25% for the first time since 2018.¹ While rising rates like these may feel like they have happened overnight, they are a direct causation of the current market volatility we’re facing in the aftermath of the pandemic. For those nearing retirement, it becomes more important than ever to protect your wealth from any ripple effect from rising interest rates that could take a larger chunk of your retirement than you accounted for. At Bear Market Financial Services, our goal is to help you achieve the best fixed rate available based on your unique situation to protect you from any unexpected spike in rates later in life.

¹ Fed raises interest rates for first time since 2018 by a quarter of a point (nbcnews.com)

Life Insurance

Insurance is the elephant in the room when mapping out your retirement. No matter how much we dread it, it is an essential part of creating a sufficient, strong plan. As a tax-free benefit, we believe there are few better ways to efficiently transfer your wealth to your loved ones than by having a solid life insurance plan. At Bear Market Financial Services, we offer a clear-cut vision and a simplified plan of action to give you the sense of security you want for your retirement future.

Long-Term Care

We all hope that we will never have a need for long-term care, but we want to ensure that you are prepared for any unexpected life events, should that day ever come. No one should be weighed down by the heavy financial burden if you or your spouse suffers a health crisis. Bear Market Financial Services offers a direct and thorough approach to assessing what kind of plan you already have (whatever stage it may be at) and then tailoring it further to create a sufficient safety net to catch you when you need it most.

Legacy Planning

We understand how important it is to ensure that your loved ones are taken care of according to your final wishes. The last thing you want is for one tiny mistake or oversight in your plan to topple the wealth and legacy you have built for your surviving spouse and family. We can help you create a clear legacy plan that you can be confident in, partnering with experienced attorneys that specialize in dealing with living wills, trusts and other estate planning documents to ensure that your legacy is transferred to the right people at the right time.

Election Uncertainty?

From changes in tax laws that could affect retirement accounts, shifts in health care policy impacting the costs of future care and broad economic changes that could influence the performance of the stock market, presidential elections inevitably bring about change and uncertainty. This guide explores:

The impact of presidential elections on the stock market
How campaign promises could potentially affect your finances
How the years preceding elections can maybe provide some clues about their potential impact

Fill out the form below to get your copy!