BATON ROUGE COVINGTON HOUMA SLIDELL, LA 985-646-1618
RETIREMENT PLANNING SERVICES
- Principal Protection
- Protection from Market Losses
- Guaranteed Lifetime Income
- Life Insurance with Living Benefits
- Custom Personal Economic Model
- Retirement Income Streams
- Long-term Care Planning
- Social Security Maximization
- Tax Efficient Strategies
- Legacy Planning for the Next Generation
- Investment Planning
At Harkins LLC and Detiveaux & Harkins LLC our mission is simple: to help our clients implement strategies to reach their personal goals and secure their financial future. Our team focuses on the individual needs of our clients by listening to their concerns today and dreams for the future. We enjoy educating and assisting individuals/businesses to find the right strategy to fit their needs and reach their personal goals.
Planning for Retirement
We develop strategies that provide principal protection from market downturns, maximize social security, create guaranteed income for life and help plan for the unexpected. We focus on locking in gains when the market is up and providing protection from losses when the market is down. We understand the importance of safe money strategies and insurance for all stages of life needs. Retirement savings may not be enough for many people approaching or currently in retirement. Helping families protect and stay in their own world by planning ahead for the unexpected is a top priority.
Income Strategies
For many retirees or those approaching retirement, the need to generate income during their retirement years is an important factor to produce security for the future. With so many improvements in healthcare people are living longer. Many retirees are concerned about running out of money, maintaining their lifestyle, taxes, healthcare cost, and taking care of loved ones after they are gone. Understanding how your retirement savings spends down is an important part of the retirement years. As pensions have faded away, more people are dependent on their qualified plans like 401(k)s and IRAs, and it is important to understand how all of your income streams, including Social Security, come together in retirement. In addition, if you have a pension, it may be even more important to understand how your income streams can best work for you during retirement.
Let's Get Started
Whether you are just starting your career, approaching retirement, or retired it is never too early or too late for an initial review or second opinion. If there was possibly something better you could implement to help reach your personal retirement goals, how soon would you want to know more about it?
Please contact us to schedule your COMPLIMENTARY RETIREMENT STRATEGY SESSION.
A few of the topics we often discuss:
Retirement Income Strategies
IRA/401K/TSP Rollovers
FERS/FEGLI/TSP
Investment Planning
Social Security Maximization
Medicare Advantage Plans
Medicare
Medicare Supplement
Medicare Part D
Private Pensions
Fixed Index Annuities
Principal Protection
Sequence of Return Risk
Pension Maximization
Long-Term Care Strategies
IRA Legacy Planning
Roth IRA & Roth Conversions
Wealth Protection
Estate Transfer
Life Insurance
indexed Universal Life
Whole Life
Tax Efficient Strategies
Key Employee Business Policy
Supplemental Health Insurance
Individual Disability
Business Overhead Coverage
Dental
Vision
Employee Work-Site Benefits
Accident
Cancer
Critical Illness
Hospital Indemnity
Gap Coverage
Group Disability
Short-term Disability
Long-term Disability
Group Life Insurance
Term Life Coverage
Spousal/Dependent Life
Universal Life
Group Medical Insurance
Group Dental
Group Vision
INVESTMENT PLANNING
Time doesn’t stand still, neither does money
The sooner you start investing, the more time you have to grow your wealth, but remember as you age, you will want to move to more conservative strategies.
We can help you determine what options work best for your portfolio and how you can protect your wealth through retirement asset diversity.
We believe no two investors are alike. In order to help each client meet their financial goals, we use a team-oriented approach to investment management and a client-focused culture that is fundamental to our investment process. Advice and recommendations for our clients are tailored to specific investment goals, desired return objectives, risk tolerance, and tax situations.
Many times, clients are in inappropriate or unbalanced allocations, which could be the result of either a lack of understanding or poor investment advice. You will receive personalized asset allocation based on your individual risk tolerance and objectives, focusing on the process of managing risk while investing.
