VISION! INDIVIDUAL PLANNING

SELF-RELIANCE

Some business sectors continue to provide them, but the days of employer-funded pension plans are becoming a distant memory for most Americans. Most employers have shifted to contributory plans with a percentage of employer match contributions and a profit-sharing feature. With Social Security overburdened by the boomer wave, shrinking work force, and investment limitations, the responsibility of generating retirement income has fallen more on the shoulders of the individual. 

FINANCIAL PLANNING

Most people don't plan to fail, they fail to plan! Developing a written financial plan is one of the best investments of time and money an individual, family, or company can make! A plan is static, and is updated whenever significant changes occur to make certain the plan is on track to meet income and lifestyle goals for retirement, adequate lifetime insurance coverage, and accounting for taxes and inflation. What are your goals? How will you retire? Will you pursue a second career? Will you volunteer? Do you have hobbies or leisure activities? Are you part of an active community or social group?

RETIREMENT PLANNING

A deliberate and thorough process that accounts for cash flow, investment management, inflation, taxes, risk tolerance, social security, longevity, long term care, lifestyle, leisure goals, and legacy planning. What can I do now to use the most advantageous tax incentives and vehicles to fund my desired lifestyle in retirement? How much is enough? Should I depend on Social Security? Do my investments match my risk tolerance, goals, and time horizon? Where are the gaps in my plan? Find the answers through a financial plan.

Gary Edkins offers financial planning services and investment advisory services through Pruco Securities, LLC (Pruco), doing business as Prudential Financial Planning Services [PPFS], pursuant to separate client agreement. Offering insurance and securities products and services as a registered representative of Pruco, and an agent of issuing insurance companies. Vision! Executive Insurance & Financial Services is not affiliated with The Prudential Insurance Company of America and its affiliates, including Pruco. Other products and services may be offered through a non-Prudential entity. 1-800-778-2255.

Availability of Long-term care and disability income insurance varies by carrier and state.

Vision! Executive Insurance & Financial Services and its representatives do not render tax or legal advice. Please consult with your own advisors regarding your particular situation.

Securities: CA, DE, NC

Life Insurance: CA, CA Insurance License: 0624963

Variable Life Insurance: CA

Mutual Funds: CA, DE, NC

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