SOLUTIONS FOR YOU

You have worked hard for what you have built; the next step is to maximize and protect it.

At Grimard Financial, our primary focus is to help you optimize your retirement savings. We can help you reach your retirement goals with the following services:

Retirement Income Planning

Retirement Income Planning

Our mission is to provide local families and businesses with innovative insurance strategies that provide them with financial independence and clarity.

As an independent insurance and financial firm, we will:

  • Analyze your specific financial situation
  • Offer straightforward and detailed guidance that reflects your long-term goals
  • Recommend insurance and annuity solutions that we believe best fit your unique needs
Insurance & Annuities

Insurance & Annuities

Insurance often protects many of the most valuable assets you have: Your homes, cars, health, and loved ones. However, many Americans are unaware of the impact improper insurance planning can have on their retirement. There are several products and strategies that can be utilized to safeguard one of your largest assets, your retirement plan.

One area we focus on with our clients is protecting their nest egg while still participating in the potential for growth. Many retirees underestimate the impact that a big market loss can have on their future income.

Using annuities and life insurance as tools to optimize your retirement funds, you can create steady and dependable monthly income for now, for the future, or for whenever you need it most, while leaving a legacy for your loved ones.

We offer:

  • Annuities
  • Life Insurance
  • Long Term Care Insurance
  • Health Insurance
Tax Efficiency Strategies

Tax Efficiency Strategies

As Bob often says, "The most important equation in retirement is what the tax rates will be."

Perhaps one of the most impactful pieces of retirement planning is determining your current and future tax liability to develop strategies that will minimize your tax obligations during retirement. Strategic tax planning can have a large impact on the amount of wealth you will be able to transfer to your heirs. We strive to ensure that any insurance strategies we implement can provide valuable tax benefits that you and your heirs can appreciate for generations to come.

With each and every client, we discuss income, expenses, individual needs, and goals to help customize their income strategy to their unique situation. Proactive discussions about unique tax features available through various insurance products allow our clients to understand how their income strategy can help minimize tax burdens and build a solid foundation that can provide years—even decades—of tax savings.

Social Security Strategies

Social Security Strategies

Social Security is a very important factor in your retirement plan. The rules governing how you can receive your Social Security Pension Benefits can be complex. We believe that many people make choices based on limited information that cost them hundreds or even thousands of dollars in lost pension income.

Making the most out of the options available to you requires deep understanding of complex information; unfortunately, many benefit claimants are not aware of this information or even where it can be accessed. We make sure you have all the knowledge and tools to understand what your options are so you do not leave money on the table.