Since 1990, I have helped individuals and small businesses implement income replacement plans and asset protection plans to help secure their financial futures.
Income protection planning provides lifestyle assurance for you, and those that depend on you for their livelihoods, both family members and business associates; it offers a comprehensive income replacement strategy that involves financial planning, investment planning, and income and asset protection products designed to assure on-going income for you and your dependents when the unexpected occurs.
A period of illness or injury that impairs your ability to earn an income, or your premature death, can have significant adverse financial consequences for your lifestyle and the lifestyles of your dependents.
So let's chart your course and set your sails to move confidently toward your financial goals, whether you enjoy smooth sailing or turbulent seas.
Begin your income protection conversation today.
Insurance products are the most cost effective way to transfer risk until you have accumulated sufficient wealth that can generate investment income to replace your earned income:
Health Insurance (Apply Online Here) protects your wealth from costly medical expenses you may incur during any period of illness or injury.
Disability Income insurance can replace your earned income when illness or injury impairs your ability to earn an income.
Life Insurance provides peace of mind for you and your dependents during your lifetime and income to your dependents after your death.
Long Term Care insurance protects your wealth from depletion due to cost of care resulting from physical or mental incapacity.
Guaranteed Lifetime Income gives you the permission slip to enjoy your other assets and let them possibly be at their utmost potential.
Michael Hagedorn, CFP®, CLU®, RICP®
Michael Hagedorn is a Financial Representative of
The Guardian Life Insurance Company of America® (Guardian), New York, NY
California insurance license 0808936
Important Disclosures 2017-38281 Exp 04/2019