Insurance

Retirement Income Planning

Celtic Wealth Management Group's advisors will seek to ensure your asset allocation meets your needs and risk tolerance with a strategy for retirement income.

- Estimate how much income you'll require and create a Retirement Budget

- Determine the Sources of Income, Withdrawal Rate.

Variable & Fixed Annuities*

- Fixed Annuities: deposit a certain amount and the insurer will pay an agreed upon interest rate over a specified period of time.

- Variable Annuities: a contract that allows for the accumulation of capital on a tax-deferred basis

Disability Income

Social Security: Eligibility, Planning, Limits

Life Insurance

We will help determine which policies are best suited for you with Custom Programs and analyze your current plan.

Long Term Care Insurance

Our professionals will examine and compare your Assets, the Premiums, your Health and Family History.

*Fixed and Variable annuities are suitable for long-term investing, such as retirement investing.  Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.  Variable annuities are subject to market risk and may lose value.