Hope is Not a Plan

In today's complex financial landscape, a sophisticated retirement strategy is paramount. At SBT Insurance, we provide the expertise to transform your accumulated wealth into enduring, tax-efficient income streams. Our approach is grounded in a deep understanding of financial instruments and their synergistic potential.

We guide our clients in leveraging two core financial products—annuities and permanent life insurance—to create a robust and flexible retirement plan.

• Annuities for Principal Protection and Predictable Income: Annuities offer a powerful mechanism for securing a guaranteed income stream, mitigating the risk of outliving your assets. During the accumulation phase, funds grow tax-deferred, allowing for the exponential power of compounding to maximize your capital. In retirement, you can choose to annuitize for a consistent, periodic payout or utilize systematic withdrawals, strategically managing the taxable portion to optimize your annual tax liability.
• • • Permanent Life Insurance for Liquidity and Tax-Free Access: A permanent life insurance policy is more than just a death benefit; it is a financial asset with a tax-advantaged cash value component. This cash value grows tax-deferred and can be accessed during your lifetime. You can take tax-free policy loans or withdrawals up to your cost basis, providing a readily available, non-reportable source of funds to supplement your retirement income, cover unexpected expenses, or manage market volatility without liquidating other assets.

By integrating these two powerful instruments, we create a diversified and resilient retirement portfolio. The guaranteed income from an annuity can cover your essential living expenses, while the tax-free access to cash value from life insurance offers a flexible resource for discretionary spending and unforeseen events. This dual-pronged strategy provides a level of financial security and tax efficiency that traditional retirement accounts alone cannot replicate.

I am personally committed to helping you develop a comprehensive strategy that aligns with your financial goals and risk tolerance. We provide the professional guidance necessary to navigate these sophisticated financial products and build a retirement plan designed to withstand market fluctuations and secure your legacy.