Your Social Security retirement benefit represents a lifetime’s worth of savings, time, and work. Although many Americans are familiar with the basics of Social Security, few are able to figure out exactly the best way to file, so they can get the most out of all they have put in.

The experts at Haven Financial Group can help you understand your Social Security benefits and educate you on how you can maximize those benefits.

Did You Know?

Delayed filing for Social Security can potentially increase your benefit amount by a rate of eight percent per year?

Source: “Incentivizing Delayed Claiming of Social Security Retirement Benefits Before Reaching the Full Retirement Age,” Social Security Administration

Our team of professionals will work to get the highest amount possible and help you achieve a secure, enjoyable retirement.

If you are in or near retirement, one of the most common fears for retirees and those planning for retirement is outliving their money. Learn how annuities can help generate a steady stream of income or increase your current savings. They can also help you leave a legacy and provide income for your heirs.

What IS an Annuity?

A Fixed Index Annuity (FIA) is an insurance contract between you and a life insurance company designed to help you accumulate assets for retirement. They offer low financial risk, conservative returns, and protection for market ups and downs. You pay premium to the insurance agency in return for regular income payments over a period of time, beginning at some point in the future. If you are looking for a retirement strategy that protects your principal, has some good upside potential, and provides a predictable guaranteed lifetime income stream in retirement, a FIA may be something to consider.

Disclosure: Product and features may differ depending on the state of issuance and may not be available in all states. Guarantees are backed by the financial strength and claims-paying ability of the issuing company.

The purchase of an annuity is an important financial decision. Schedule a no-obligation review of your financial options with Haven Financial Group before making any decisions.

Life can change – the birth of a child, the death of a loved one, the loss of a job, a major purchase – which will readjust your customized strategy. We can help you chart a new course, if need be, to ensure you meet your personal financial goals.

Insurance reviews are an opportunity to measure your progress for your future goals through a close analysis of personal finances and an assessment of other building blocks. Haven Financial Group can help you balance work and leisure, make smart choices for the future, and help you enjoy the journey.

Annual insurance reviews also provide an excellent chance to examine your short-term and long-term goals. We’ll focus on the ideal lifestyle you want to live today, as opposed to a future that may never come. An assessment of what you’re saving for is a big opportunity to have a richer dialogue about your retirement and how we can help you develop a personalized plan to reach your ideal retirement. We will help you implement any new plan of action that has been developed in light of your changing goals or changing performance.

Employee benefits are among the primary tools used to attract and retain a top-notch staff for any organization. Creating a plan that balances the goals of both the organization and its employees requires thorough analysis and review of benefit options and costs. Without the assistance of skilled benefit plan professionals, creating and managing the plan can consume much time and money.

Whether you’re in charge of a small start-up company or a large enterprise, we have the proven knowledge and experience to develop an employee benefits package that will optimize the best benefits possible for your company at the lowest available cost. You will receive strategic planning advice, creative benefit design, and financial management to help you meet your plan objectives and long-term goals.

Haven Financial Group will evaluate your business and learn about its needs, offering creative and affordable solutions to maximize your employee retention and profitability.