Fixed annuity (MYGA)
A guaranteed rate for a set number of years, similar in concept to a bank CD.
Retirement Planning
Grow your savings safely and secure income for retirement.
Retirement planning comes down to two things: growing savings safely and turning them into reliable lifetime income, and preparing for long-term care. Medicare generally does not pay for ongoing custodial care, so it pays to plan ahead.
Annuities
An annuity is a contract with an insurance company: you deposit money, and the insurer protects your principal, guarantees a rate, or pays you income for life. Growth is tax-deferred until you withdraw.
Fixed indexed annuity
Growth linked to a market index, with no loss of principal when the market falls.
Income annuity
Deposit once and receive monthly income for life, starting now or later.
Annuities usually have a surrender period; large early withdrawals may incur charges. Mandy will review your liquidity needs before you apply.
Long-Term Care Insurance
Helps pay for in-home care, assisted living and nursing homes — protecting your savings and easing the load on your children.
- Applying younger usually means easier approval and a lower premium
Traditional LTC
Dedicated care coverage at a lower premium; premiums are not returned if you never use it.
Hybrid life or annuity + LTC
Use the benefit for care if you need it; if you don't, it passes to your family.
How it works
- 1
Free consultation
Call, WeChat, or visit the office. We start with your family and budget.
- 2
Compare options
Plans from multiple carriers, explained in plain language.
- 3
Enroll & ongoing help
Help with the application, then renewals, claims and changes.
Common questions
How is an annuity different from a bank CD?
Both can offer a guaranteed rate. Annuity growth is tax-deferred and can become lifetime income, but money is less liquid and there is usually a surrender period.
Does Medicare pay for long-term care?
Generally no. Medicare covers limited short-term skilled nursing after a hospital stay, with day limits and conditions, but not ongoing custodial care.
When is the best time to buy long-term care coverage?
Many people look into it in their 50s or early 60s. Health is key to approval, so planning earlier gives you more options.
Not sure which option is right for you?
Consultations are free, with no obligation. 中文 or English.