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Oswald helps individuals and families grow, protect and distribute their wealth by designing personalized life insurance, such as disability insurance, long-term care insurance and annuities.
Learn more about our specialized areas below.
- Life Insurance for Estate Planning
- Charitable Planning
- Life Insurance Settlements
Family Protection
Protect your family by securing a strong and stable financial future. There are a variety of options to consider.
Life Insurance
Life insurance can be a valuable tool in your financial toolbox, and there are many options that can be designed to fulfill your needs. Whole Life, Universal Life, Term Life, and Second to Die Life insurance all have their proper place.
The key is determining your needs, which will help you decide the amount and combination of products that are right for you. Our professionals will guide you through that decision-making process and will manage your insurance portfolio as your needs and objectives change.
Life insurance policies can help you:
- Maintain a standard of living for your family in the event of death
- Support your retirement goals
- Provide cash needed to satisfy financial obligations such as debt and inheritance taxes
Disability Insurance
If you were suddenly unable to work due to a disability, how long would you and your family be able to sustain your current standard of living without drastic changes? Disability insurance replaces a portion of your income, so your family doesn’t have to worry about lost income. Even if you receive some level of disability coverage through your employer, consider an individual policy for extended protection that you can take with you to future jobs.
Long-term Care Insurance
People are living longer these days. Couple that with the rising cost of long-term care and you could drain your savings faster than expected. Long-term care insurance can be tailored to provide the financial support needed if you or your spouse become chronically ill or disabled, ensuring the standard of care you desire for yourself and your family.
Annuities
Annuities can provide a steady stream of income in retirement, as well as tax-deferred growth as you build your retirement fund. Contact an advisor today to determine if an annuity is right for you.
Accumulation & Distribution Planning
As they accumulate wealth, many families struggle to prioritize financial goals. Allocating money for a child’s college fund, 401(k) plan, emergency savings fund and life insurance can seem overwhelming. Oswald can help you prioritize with the following options.
Cash-value life insurance can provide funds to your family upon your death, and it can be borrowed tax-free or partially withdrawn as needed without the contribution limits or age restrictions of a 401(k) and IRA.
Annuities offer tax-deferred growth as you accumulate your retirement savings and a steady stream of income after you retire.
Contact an advisor today to learn more about wealth accumulation and distribution planning.
Example: A 50-year-old, non-smoking couple committed to giving $12,000 annually for 10 years. The $120,000 gift could turn into a $1 million gift if it is not paid out until the second person dies. When you factor in the charitable tax deduction on the premium, the internal rate of return at joint life expectancy is between 10% and 11%.
If you are currently making annual gifts, have deferred pledges or are planning a large one-time gift, consider life insurance as a tool to enhance and guarantee the ultimate benefits to your favorite charity.
Contact an advisor today to learn more.
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