RETIREMENT PLANNING

Planning for retirement has become one of the most important goals today. Pensions are gone no matter how long you have devoted to a company. Americans are now faced with the responsibility to pay for their own retirement. How can you rise to the challenge?

Retirement planning is no easy task. Not only should your plan take into account how much you currently need to live but also how much you will need in the future with economic fluctuation. Inflation can and will change your purchasing power. Other Things like taxes, investments, and future income including social security.

Once a plan is developed, it has to be monitored closely and adjustments must be made to keep your plan on track.

 

ARE YOU GETTING READY TO RETIRE?:

Having a steady, safe stream of income that can't be outlived is a key goal for many seniors. Our extensive selection of fixed and fixed index annuities can help you achieve just that. Annuities are a popular and effective choice to both increase and protect savings, but it's important you first receive solid guidance before adding an annuity to your specific retirement strategy.

 

 

 

 

 

 

MEDICARE SUPPLEMENTS AND OTHER MEDICARE SOLUTIONS, INCLUDING PART D PLANS

 

Medicare and Medicare Supplement plans are complex. Do you need Just Medicare, do you need Medicare and a supplement, do you need an advantage plan, what benefits are offered in your zip code? we are here to help find you the right plan for your needs! There are a large amount of options and an even larger number of supplement options, plan combinations, benefits, rules, and exceptions — all can be very confusing. Health insurance is a huge investment, so you need a plan that meets your needs. We will help you get the best value for your money! Let us help you get the coverage that is just right for you.

 

 

 

 

 

LIFE INSURANCE AND
FINAL EXPENSES

 

LIFE INSURANCE
We all know we need life insurance, but many people struggle with the logistics of it all. River's Family is here to clear up all of the clutter and make sure you get what you need. Life insurance needs are dependent on your current situation in life... Life changes, so should your benefits. Are you married? How many children do you have? Are they in college? Are your home and assets paid off? Are you married? These things and many more are things that you need to take into account when looking into benefits. Remember, life insurance is there for what you need today, not what you need in 30 years from now. Make sure your family is covered in the event of a sudden death. Do not leave your loved ones out in the cold due to an untimely passing, make sure your family is taken care of.

 

 

FINAL EXPENSES
 Give your family the gift of comfort in their time of need. When a death occurs, the last thing any family member should be focused on is money. Ensure that at the time of your passing everything is taken care of for your loved ones. Ensuring that your final expenses are covered will lift a large burden from the ones you love. We will help you plan, so they do not have to worry.

 

 

CLICK HERE FOR MORE INFORMATION

 

 

 

 

 

FUNERAL PRE PLANNING

 

Planning out your wishes is an amazing thing to do for the ones you love most. This allows you to have exactly what you want, allows you to ensure your funeral debt is covered, locks pricing in at the time of purchase, takes the guess work out of planning for your family. When you pre plan your funeral you ensure that you get exactly what you want, the location, funeral home, headstone, urn, some even pre plan the outfit they would like to spend eternity in. We will help you plan for the exact specifications so they do not have to.

 

 

 

 

LONG-TERM,
SHORT-TERM
and HOME HEALTH CARE

 

 

LONG TERM HEALTH CARE

 

This is health care that will allow you to receive care for up to 3.5 years. This care allows for many options including the ability to make a choice... Long term facility and home care, long term facility care or long term home health care. Many individuals in todays world would rather spend the remainder of their days at home instead of at a nursing home. Long term home and facility care allows an individual that is in need of care for up to 3.5 years to choose if they would like to stay in a facility or stay at home while still getting the same amount of care. Long term facility care is for individuals who need care for up to 3.5 years that choose to stay in a facility instead of at home. Long term home health care allows for staff and other needs to be met within your home for up to 3.5 years. This is the option many younger individuals that need care but want to stay home choose. We will work with you to help find what your individual needs are.

 

 

 

SHORT TERM HEALTH CARE

 

This is health care that will allow you to receive care for under 1 year. However this care can be stretched if the care needed is not full time care. This option in many cases is utilized by individuals of advanced age. This options gives all of the same options as long term care, for a shorter amount of time at a much cheaper rate.

 

 

 

HOME HEALTH CARE

 

This is health care that will allow you to stay at home, save money and still get great care. Most everyone wants to stay home for the final days and most everyone wants to save money. that is what makes this a great option. With home health care you will save up to 60% off of long term facility care while being able to live out your final days in the comfort of your own home.

 

 

 

 

SPECIALIZED HEALTH CARE

 

Yes we cover the big stuff... but we cover the small stuff too! Need dental, vision, cancer plans, sudden loss of employment, pregnancy insurance and more! Don't forget the small policies... it can save you huge money when you need them!

 

 

 

 

 

SENIOR BENEFITS ADVOCACY
& RESOURCES

At River's we pride ourselves on helping those in need. This is why we have chosen to do something special... Has your medicaid plan been canceled? Are you having a hard time understanding how to navigate the ins and outs of this industry? For NO CHARGE, we will help you. We advocate for you in your time of need. We will help you find benefits, hire individuals, hire businesses for your care and even go as far as helping you by communicating to your family. Many times individuals struggle telling their families what they are going through, we will help! Having a hard time telling your family about your medical issues? No worry, we will communicate with them and help you get the assistance you need and deserve.