Start Your Investment Journey With Us
If you are looking to begin your investment journey or looking to make a change from your current advisor, we are here to help. At American Legacy Wealth Management, we are fully committed to providing unbiased advice about the investments and services we utilize so that you can make an informed decision about what is right for you
When working with American Legacy Wealth Management, you can expect a unique partnership in which your needs come first, always.
Investment Planning
American Legacy Wealth Management’s investment planning process integrates values-based discovery meetings to make sure we understand the causes and people that are most important to you.
After we have a complete understanding of your goals and objectives, risk tolerance, and time horizon, we provide strategic direction, asset allocation, investment advice, and active portfolio management to try and help you achieve your goals.
Retirement Planning
How much money will you have when you retire and what’s the lifestyle that you’re going to be able to support? We’ll work with you and your family to build a customized retirement plan which is driven by calculated strategies to help accelerate you toward your retirement goals.
Insurance Services
Whether you want to make sure that the life insurance that you currently own is the best policy to cover your objective, or you’re looking for your first policy, American Legacy Wealth Management is here to help. A sound insurance strategy can help protect your family from the financial consequences of unforeseen events.
WHAT TYPES OF LIFE INSURANCE ARE THERE?
Term LIfe Insurance
Term life insurance is commonly the most affordable and basic option for those who are looking to be insured for a certain number of years. Term life insurance stays in place as long as the premiums are being paid and the length of time that the policy is in place is often very flexible. For example, you can take out a term life insurance policy for as little as a year or you may choose a longer term such as 10 or 20 years.
If you have term life insurance in place, your beneficiaries will be paid the face amount of the policy in the event of your death. We will work with you to discuss how long of a term you need and we’ll also help you determine the amount of the policy you need based on what you want covered.
Permanent Life Insurance
Permanent life insurance is often also referred to as whole life insurance and you have a few different options if you decide permanent life insurance is right for you. These options include:
Standard whole life that builds up a cash value over time. It may be possible to borrow from this cash value depending on your specific situation. Whole life insurance’s premium will stay the same for the life of the policy.
Universal life is very similar to whole life insurance but it’s often more flexible. Once money is built up, you may have the option of paying flexible premium amounts or you may be able to pay your premiums at a different frequency.
For all your life insurance needs please get in touch with us today.