Your Unique Needs, Our Customized Strategies: Silas & Ward
Navigating your financial future requires strategies that are thoughtfully designed and personalized to your life’s priorities. At Silas & Ward Financial Group, we provide personalized insurance strategies to help you achieve clarity, confidence, and financial independence.
You’re still going strong—your strategy should help you stay that way.
Retirement Income Strategies
As you approach retirement, stable income becomes paramount. We create customized income strategies that coordinate your pension benefits, 401(k) assets, annuities, Social Security benefits, and other resources. Our approach leverages fixed index annuities and lifetime income products, offering dependable streams of income you can rely on, even amidst market volatility.
*Guaranteed lifetime income available through annuitization or the purchase of an optional lifetime income rider, a benefit for which an annual premium is charged. Annuities are long-term, tax-deferred vehicles designed for retirement and contain some limitations.
Tax Minimization Strategies
Taxes can significantly impact your financial well-being, especially during retirement. Our specialized insurance-based approach helps manage and potentially reduce your tax obligations, allowing you to keep more of what you’ve earned. We work closely with you to identify strategies that align with your broader financial goals and optimize your tax efficiency.
Health Care & Long-Term Care Coverage
Health care costs represent one of the most significant expenses in retirement. We provide strategic guidance on long-term care insurance and Medicare planning to protect your assets from unexpected medical expenses. By proactively addressing these concerns, we help protect both your health and your wealth, giving you confidence for the future.
Life Insurance & Legacy Planning
An essential part of retirement is protecting your loved ones after you’re gone. We help guide you through life insurance strategies that support meaningful legacy transfers, covering estate taxes, supporting charitable causes, and providing supplemental income for beneficiaries. Our holistic approach includes collaborating with attorneys and CPAs to structure comprehensive estate plans, trusts, and beneficiary arrangements tailored specifically to your wishes.
Social Security Optimization
Optimizing your Social Security benefits is crucial for maximizing your retirement income. Our team analyzes your unique circumstances to create a customized strategy, helping you choose the most advantageous timing and approach for claiming your benefits, helping ensure you receive the income you’ve earned.
Business Succession Planning
For business owners, preparing for the future of your enterprise is vital. We provide business succession strategies designed to help ensure your business thrives beyond your involvement. Our customized planning process covers everything from insurance coverage to leadership transition, protecting the longevity and legacy of your business.
Ready to build your clear path forward?
5 Simple Steps to a Successful Retirement: Make Your Retirement a Blockbuster
Do you have doubts about your ability to reach your retirement goals? Are you less than confident about certain aspects of your retirement strategy? Here’s the good news…there’s always time to adjust your plan and get back on track. You can take your retirement strategy from flop to blockbuster with these simple strategies.
