COMPREHENSIVE RETIREMENT SOLUTIONS FOR PEACE OF MIND

At Willert Morris Agency, we offer a unique bundled approach to retirement planning. By combining annuities for guaranteed lifetime income, indexed universal life insurance for tax-advantaged growth, and expert investment management, we provide a complete strategy to secure your financial future.

We provide personalized one-on-one annuity solutions designed to meet your unique needs.  At Willert Morris Agency, our experts guide you through every step of the annuity suitability process, offering support at all stages.  Our team is fully trained to give you peace of mind, ensuring that all suitability and compliance regulations are carefully met while helping you achieve your financial goals.

Indexed Universal Life Insurance (IUL) not only provides a death benefit to protect your loved ones, but it also allows for tax-deferred growth potential with the opportunity to accumulate cash value. This cash value can be accessed in retirement for additional tax-advantaged income, offering flexibility in how you meet your financial goals.

Our investment advisory services provide clients with expert guidance and advanced portfolio management tailored to their unique needs. When working with the Willert Morris Agency, clients receive personalized attention from Registered Investment Advisor Representatives, who act as fiduciaries, ensuring their best interests are always prioritized.

For retirees with $500,000 to $1 million in investable assets, including retirement accounts like 401(k)s and IRAs, we provide services that protect and grow their wealth. Our experience and technology offer customized strategies focused on reducing risk and securing their financial future.

Together, these three elements provide a balanced approach to retirement planning. They help secure lifetime income, provide tax-advantaged growth and protection, and offer the flexibility needed to handle unexpected financial challenges. This bundled solution addresses both income stability and long-term wealth protection, giving you the confidence to enjoy retirement on your terms.

PROTECTING THE FUTURE OF YOUR BUSINESS

A buy-sell agreement is a contract that stipulates how a partner’s share of a business may be transferred upon a triggering event, such as the death, retirement, disability, or other withdrawal of a business owner.  Fully funded buy-sell agreements can be a powerful business succession tool. There are numerous types of buy-sell agreements offering flexible, customizable solutions that can provide certainty, mitigate conflict, and facilitate a smooth ownership transition.

KEY PERSON LIFE INSURANCE

Protecting Your Business from the Unexpected.

Many companies have an employee who is critical to their current success and plans for growth. These individuals may be owners, executives, or employees with unique skillsets within the organization. A loss of a key employee due to death or a critical illness can cause significant disruption to the business and hinder current growth initiatives.

EXECUTIVE BONUS PLAN as Complement to a Qualified Plan

A Tool to Reward and Retain Key Employees

For many small- and mid-size businesses, qualified plans allow for their employees to contribute a significant amount of their wages for retirement while having either tax deferred or tax-favored treatment on plan contributions. However, limits on how much employers and employees may contribute to qualified plans may result in a savings gap for highly compensated employees, leaving them with insufficient assets to maintain their standard of living in retirement.

Cash Value Life Insurance as a Strategic Asset:
The cash value component in all of these policies is a key financial asset. It grows over time and can be accessed for a variety of business needs—such as expansion, debt repayment, or to cover unexpected expenses—providing liquidity when the business needs it most.

Together, these strategies build resilience, help retain talent, and ensure smooth transitions, all while enhancing the business’s financial foundation. By using cash value life insurance, business owners can not only protect their current success but also invest in the long-term growth and sustainability of their business.

Contact: (760) 606-5204

Email: [email protected]