Comprehensive Financial Services, Tax Strategies & Medicare Guidance
Located just minutes west of Allouez across the Fox River at 611 Packerland Drive in Green Bay, our advisors help local families build, protect, and enjoy their wealth through every stage of life.

Whether you are preparing to transition into retirement, managing a 401(k) rollover, or navigating Medicare coverage options as you reach 65, successful financial planning requires a complete, 360-degree view of your wealth.

At Secure Retirement Solutions, we bring all your financial needs under one roof. Located just across the river — a direct 8 to 12-minute drive via Highway 172 or Mason Street — our advisors work closely with Allouez families through in-person office visits, phone reviews, and video consultations.

By integrating investment advisory services, tax return preparation, Medicare supplement analysis, and estate planning into a single coordinated strategy, we ensure your hard-earned assets work together seamlessly.

When helping Allouez families manage their portfolios, we believe no two investors are alike. In order to help each client meet their financial goals, we base our process on a client focused personalized approach using multiple investment strategies. Our advice and recommendations are tailored to our client’s investment goals, desired return objectives, risk tolerance, time horizon, cash requirements and tax situation. Our investment strategy is designed based on your long-term investment goals of preserving principal, maximizing income or accumulating capital. Whether it’s a blue chip, dividend stock portfolio or a risk-managed ETF portfolio, we can construct a portfolio to meet your needs.

Exchange Traded Funds (ETF’s) are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from the Fund Company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest. An investment in the Fund involves risk, including possible loss of principal.

Retirement income plans are not just for the wealthy. As you near retirement, the traditional strategy has been to move growth-seeking products to conservative fixed-income products. However, with modern retirements lasting 25 to 30 years or longer, you need a plan that ensures your nest egg outlasts your retirement. We specialize in building sustainable income streams that withstand market volatility.

Twenty-first century asset preservation calls for more than just basic asset allocation. Product allocation — buying instruments that can protect your portfolio from negative returns early in retirement — is a vital tool for safeguarding assets. Diversifying your retirement assets among a variety of vehicles offers you the best chance of meeting your income goals throughout your lifespan.

Neither Asset Allocation nor Diversification guarantee a profit or protect against a loss in a declining market. They are methods used to help manage investment risk.

When you change jobs or retire, there are four things you can do with the money in your employer-sponsored retirement plan:

• Leave the money where it is
  
• Take the cash (and pay income taxes and perhaps a 10% federal penalty tax if you are younger than age 59 ½)
  
• Transfer the money to another employer plan (if the plan allows)
  
• Roll the money over into an IRA
  

Rolling over from one qualified plan to another qualified plan allows your money to continue growing tax-deferred until you receive a distribution in retirement. We can help you determine if a rollover is the right move for you, and we can help find the best vehicle to help conserve and grow your rollover assets.

IRA accounts have become one of the largest types of assets inherited by beneficiaries. If you don’t anticipate needing your IRA money in retirement, you may wish to consider a legacy planning strategy to help manage taxes and increase the payout your beneficiaries will inherit upon your death.

A properly structured IRA may provide your beneficiary(ies) a regular stream of income while leaving the balance of IRA assets invested for tax-deferred growth. The result may yield substantially more money paid out over the course of your beneficiary’s lifetime. We can help you evaluate your retirement scenario to determine if IRA legacy planning may be the best means for ensuring a long-lasting inheritance for your heirs.

We cut through the clutter and will explain the basics about Medicare and how it works. Once you understand how the Medicare process works, we will then take you through the ins and outs of your Medicare supplement and advantage plan options. As an independent firm we represent a large number of some of the most reputable firms providing Medicare supplements and advantage plans.

I understand that a licensed agent will reach out to me by phone or email to discuss Medicare Advantage Plans, Medicare Supplement Insurance Plans, or Medicare Part D Plans.

Life insurance isn’t for those who have died – it’s for those who are left behind. When shopping for life insurance, consider the needs such as replacing income so your family can maintain its standard of living, as well as paying for your funeral and estate costs. As a rule of thumb, you should seek coverage between five and seven times your gross annual income. As far as the various types of policies go, they can generally be placed into one of two categories: Term and Permanent.

Term insurance generally provides coverage for a specified period of time and pays out a specified amount of coverage to your beneficiary only if you die within that time period. You pay the same amount of premium from the first day of the policy until the term ends. Permanent insurance, on the other hand, does not need to be renewed. A permanent insurance policy will stay permanently in effect for the rest of your life so long as premiums continue to be paid.

In the US, we have entered an environment of rising taxes. That’s why it’s important now, more than ever before, to incorporate tax planning into your portfolio and all of your retirement decisions.

Investing in a tax-deferred vehicle means your money will compound interest for years, unfettered by income taxes, allowing it to earn interest at a faster rate. While very few investments avoid taxes altogether, many allow you to defer paying them until retirement – when you may be in a lower tax bracket.

We also provide full tax return preparation and filing for our clients

Estate planning is simply determining (while you’re still alive) where your assets should go after you die. Without a properly structured estate plan, your wishes may not be fulfilled, and your loved ones could be hurt both emotionally and financially.

While the concept is simple, the vehicles, planning and implementation process can be rather complex. Because of the constantly changing estate tax laws and emerging vehicles to help you protect and transfer your assets effectively, it’s important to work with experienced estate planning professionals who stay current in this field and advise clients on a day-to-day basis.

Estate planning includes Wills, Trusts, charitable giving, and probate protection.

Secure Retirement Solutions, LLC does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance.