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DO YOU NEED A PLAN TO PROTECT AND SECURE YOUR RETIREMENT MONEY?
GET A FREE COPY OF MY BOOK, 'THE RETIREMENT SHIELD', TO LEARN HOW!”
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Important Steps to Protecting Your Retirement
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Watch a quick video to learn about our
"Rock Solid Retirement Income Strategy". Peace of mind that comes with retirement income that's guaranteed to last as long as you do! |
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About Us |
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Laura Sturm | NSSA®, IRMAA CP™
Laura Sturm, an Independent Broker and Agent at Senior Educational Advocates in Texas, dedicated to empowering seniors and their families to navigate the complexities of retirement planning. Licensed since 2006, Laura has consistently championed education and awareness within the Senior Market, ensuring her clients understand the updates and changes that could affect their financial future. She is committed to providing personalized solutions that help families keep their financial resources intact. As an IRMAA certified planner and a proud certificate holder with NSSA, Laura specializes in optimizing Social Security benefits, guiding her clients to avoid potential pitfalls that could deplete their retirement savings. Everyone is going to have a “mandatory” expense in retirement if they would like to collect their Social Security benefit. In order to receive Social Security benefits, you must accept Medicare Part A when eligible. The costs associated to Medicare coverage for many retirees may be one of the; if not the largest expense that will face in retirement. Your Medicare premium is predicated on your income you generate, which happens to be almost everything inside of your retirement plan. Please take the time to plan for this in your retirement – It’s very noteworthy!
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Joy Prince, Insurance AdvisorJoy Prince is a Life and Health Benefit Advisor, licensed in the state of Texas over 30 years ago. She enjoys working with families and small businesses, helping them to make life-changing decisions and putting a solution in place that will be beneficial immediately and in the future for their loved ones. These decisions have allowed them to leave a legacy that is priceless for generations to come.
She got into the industry after seeing families struggling after the loss of loved ones. She understands that every seven seconds something tragic happens and puts a family at risk. She got certified and was on a mission to change lives one family at a time. This has allowed her to see the lives of these family’s transformed, with children accomplishing their dreams, parents working with a peace of mind and achieving their goals and grandparents living out their golden years. She believes in proper planning because life happens and is too short to waste. |
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Our Services
What We Do For Clients |
Asset Protection
Retirement doesn’t mean that it’s time to stop growing. Same holds true for your money. It should mean, however, that it’s time to stop taking unnecessary risk.
We specialize in helping retirees protect their retirement assets while continuing to move forward. |
Family Legacy Planning
Many of our clients want to leave a legacy for their children and grandchildren and are shocked to learn how easy it is to double, even triple their inheritance – TAX-FREE AND GUARANTEED!
We also work with our clients and help them embrace their own mortality and be prepared for the loss of a spouse and the income burdens this can often create. |
Extended Care Solutions
Long-term care/extended care costs have gone up substantially in the last 10 years. Unfortunately, the statistics are not in our favor, a plan to address these costs should be included in every retirement strategy.
The good news is we work with hybrid insurance plans that leverage your dollar in case you need it for extended care, but remain 100% accessible for withdrawal if you don’t. |
Retirement Income
Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. It’s very likely to spend 30 years or more living in retirement without earned income.
We create a customized retirement income plan, encompassing all sources of income, for each one of our clients and no two plans are exactly alike. Let us get to work on a plan for you. |
Understanding Medicare
"What you don't know about social security and medicare timing could be surprising financially."
Workshops and virtual seminars are available
"What you don't know about social security and medicare timing could be surprising financially."
Workshops and virtual seminars are available
Life Settlement Broker
We help in the process with many seniors over age 65 discovering that a life insurance policy over $100,000 face amount that becomes unaffordable or no longer meets the needs of its intended purpose. Life Insurance is an asset, and the policy owner can transfer ownership of the policy to the buyer in exchange for cash payment, called Life Settlement rather than lapsing or surrendering it. Let us help review your options.
We help in the process with many seniors over age 65 discovering that a life insurance policy over $100,000 face amount that becomes unaffordable or no longer meets the needs of its intended purpose. Life Insurance is an asset, and the policy owner can transfer ownership of the policy to the buyer in exchange for cash payment, called Life Settlement rather than lapsing or surrendering it. Let us help review your options.
Educational Events
Nine Tips To Help Navigate
Your Social Security Decisions
Your Social Security Decisions
These eye-opening points could mean the difference
of thousands of dollars to you in retirement.
of thousands of dollars to you in retirement.
We Love To Meet New People!
Contact Us
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