A disciplined process is one of the best ways to create a more financially secure foundation. It is crucial to create a financial strategy that seeks to protect your needs now, and your plans for the future.

It is our goal to assist you to build a solid financial structure designed to stand the test of time and that provides opportunity for growth and more wealth for you and your family.

Union Financial Group utilizes a carefully guided 4 step process which is developed to provide you with a level of service to exceed your expectations. Here’s what you can expect when you make an appointment with us:

Today, nearly 90% of Americans age 65 and older receive Social Security income benefits.^¹ Will your Social Security benefits be enough in retirement?

Bridge the gap in your retirement strategy. We can help:

• Review your Social Security and retirement statements to determine potential retirement income shortfalls where a fixed annuity may be a potential solution.
• Explain the importance of routinely verifying your Social Security statement earnings record for accuracy.
• Explore strategies that may enhance the benefits available to married couples.
• Review your unique situation to determine potential eligibility for other types of benefits (ex-spousal, dependent or caregiver benefits).
• Examine potential effects of taxation on Social Security benefits in light of other sources of retirement income.

Need your Social Security Statement?

¹ Social Security Administration: 2018 Fact Sheet, November 2018

Please note that Legacy Financial and their representatives do not give legal or Social Security advice. You are encouraged to consult your attorney or the Social Security Administration via your local office or online at ssa.gov.

Not approved by, endorsed by, or affiliated with the U.S. Government or any governmental agency.

Will your family be receiving the legacy that matters most?

More than just a bank account or stock certificates—your family legacy encompasses all the experiences that your family holds dear, as well as the values, wisdom, and hopes you leave for them.

With this in mind, the question for you becomes more about what each of your family members value most. You can't really know until you start talking about all these key components of creating a legacy.

It could be that values and life lessons are top on someone's list. While someone else my rate personal possessions of emotional value #1. Still, there are others that may believe the financial assets and real estate are the key components for them. Starting a meaningful discussion about your family legacy can be difficult—but it doesn't have to push your family apart. It can help bring you together, resolve conflicts, and spare emotional tensions later on.

Although we are not estate planners and do not provide tax or legal advice, we can help you explore your life insurance options to help meet your legacy planning goals.

Get Help Finding the Right Medicare Plan for You

Are you trying to decide about your Medicare health plan option? Do you need a Medicare Supplement or a Medicare Advantage plan? Helping people make an educated and empowered decision about their Medicare health plan options is what we do! For over 28 years, it has been our mission to connect our clients with the appropriate provider and value to fit within their budget.

There are four parts to Medicare:

• Part A
  Hospital Insurance (Inpatient Hospital or Skilled Nursing Facility Care, some Home Health Care, & Hospice Care)
• Part B
  Medical Insurance (Doctor Visits & Other Health Care Providers, Outpatient Care, Home Health Care, Durable Medical Equipment, & some Preventative Services)
• Part C
  Medicare Advantage (Private Insurance Company Coverage, approved by Medicare, includes all benefits and services under Part A & B and may include Part D & other extra benefits and services)
• Part D
  Prescription Drug Coverage

Are you trying to decide about your Medicare health plan option? Do you need a Medicare Supplement or a Medicare Advantage plan? What is Medicare Part D? Do you need Medicare Part B if you're covered by an employer's group plan?

To get a Medicare plan, either an Advantage or Supplemental plan, you must have Medicare Part A and Part B. If you're age 65 and receive Social Security retirement income benefits, you're usually automatically enrolled for Part A and Part B. Medicare supplement plans (or Medigap plans) may offer benefits in addition to the benefits offered by traditional Medicare Parts A and B. There are different types of Medicare supplement plans which cover the Medicare deductibles or require you to cover the deductibles. Medicare supplement plans and Medicare Advantage plans are not complementary, so it is important for you and our skilled agent to understand which type of policy makes the most sense for you.

Not approved by, endorsed by, or affiliated with the U.S. Government or any governmental agency.

This content is developed from sources believed to be providing accurate information. The information in this material is not intended as investment, tax, or legal advice. It may not be used for the purpose of avoiding any federal tax penalties.

Today, people turning age 65 have a 70% chance of needing some form of long-term care during their lives. ^¹

Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.

Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. Long-Term Care Insurance is critical in your planning if you want to protect your assets from being depleted due to long-term health care costs. If you don’t personally know someone to whom this happened, chances are you’ve heard the stories; people whose health deteriorated or their age made them less capable of caring for themselves, who spent the bulk of their life savings or even went into great debt to get the long-term care they needed.

With the vast majority of health insurance plans available today, a great deal of the treatments and care that a person in such a situation would require aren’t covered.

Union Financial Group helps our clients compare and explore long-term care insurance options in a simple and easy process. So, instead of leaving your decision to chance, let us provide you with long-term care coverage options and help you throughout your long-term care insurance decision-making process.

¹ US Department of Health and Human Services: LongTermCare.gov

Union Financial Group is actively serving members of the:

• International Brotherhood of Electrical Workers (IBEW)
• Union of Automotive Workers (UAW)
• Plumbers and Pipefitters Union

Social Security & Retirement Information Brochures

Download our informational brochures to find out more about Social Security benefits and how a Fixed Index Annuity can help chart your course for retirement!

What You'll Discover:

1. Should I consider Fixed Index Annuities as part of my retirement strategy?
2. Will I have enough income for my retirement when considering inflation, health care & social security benefits?
3. How do I determine what my estimated Social Security income benefits will be at retirement?
4. How does life expectancy factor into what my benefits may be and how do I estimate my life expectancy?
5. Will my retirement benefits be adjusted for inflation?
6. When should I consider to start collecting Social Security benefits for retirement?
7. Are my Social Security income benefits taxable?

*Please note that Union Financial Group and their representatives can provide information, but not give tax or Social Security advice. Consumers should seek guidance from their tax advisor or the Social Security Administration regarding their particular situation. Legacy Financial may be able to identify potential retirement income gaps and may introduce insurance products, such as a fixed annuity, as a potential solution.

Not approved by, endorsed by, or affiliated with the U.S. Government or any governmental agency.

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