Nation's First Financial

Retire with confidence

Our Financial Services

To develop a financial plan for your future, it's important for your insurance producer to see a complete, 360 degree view of your financial picture, including how your retirement assets are integrated and work with one another. If necessary, we can refer you to tax professionals or attorneys in our network to advise you on specific aspects of your financial plan.
To ensure your financial success, we have a wide range of services available to meet your needs. Financial planning is rarely focusing on only one area in your life, and we can help you to be fiscally secure, responsible and fortunate in your investments.
At Nation’s First Financial, we are able to offer you assistance with the following services:

Asset Protection
We all know that in the past decade, the financial markets have been volatile. Products on the market, both those qualified as aggressive and conservative have shown a tendency to move together.  This can affect all investors, regardless of the holdings or diversification of your portfolio.
Asset Protection today is more necessary than it’s ever been previously and one of the most secure strategies is through the allocation of products in your portfolio. We can help you to purchase products that can protect your portfolio from negative returns in retirement rather than just strategically allocating your assets.
Knowing how to spread your assets between differing products in both the investment and insurance fields in regard to your needs may help ensure that you’ll likely meet your 

Estate Planning
When you plan where your assets will go after you pass, you’re making financially responsible decisions for your loved ones. If you never get around to making an estate plan, you have no certainty of what will happen after your passing, which could put your loved ones in a difficult situation.
Estate taxes vary by states and the laws change on a regular basis. There are new products being added regularly and it’s challenging to make sure that everything is squared away. At Nation’s First Financial, we are up to date with changes as they happen and will help you create a plan.

Income Planning
We all know that people now have the potential to live longer than they may have been anticipated. The idea of retiring and 65 and living on savings may not be one that will work for everyone anymore. We can work with you to make a plan to allow your retirement income to live with you and your needs.
With potential losses in investments possible the last several years, it can be daunting to look at retirement, but Nation’s First Financial can assist you in creating a plan to put together different products that will grow long term and give you peace of mind that you’ll have income for the rest of your retired life.

IRA and 401(K) Rollovers
Many people aren’t aware of their options when changing jobs or retiring.  There are in fact several options available.
•You may choose to leave the money where it is
•You can take the cash out which will result in needing to pay taxes and potential federal penalties based on your age.
•If your plan allows, you may move the money from one plan to another employer plan.
•You may also roll the money into an IRA.
Deciding what to do with your funds is a challenging choice, one that we can help you make based on current needs, potential tax burdens, growth potential and conservation of your assets.

IRA Legacy Planning
If you’re in a position that you don’t feel that you’ll need to use your IRA money in your retirement plans, it’s completely feasible for you to plan on leaving it to your loved ones after your passing. There are ways to lower the tax liability and potential amount lost to your beneficiaries when they stand to inherit the funds.
We can set up the IRA so that your loved ones will be able to receive a steady flow of income while leaving the majority of the funds in the account to continue to grow in a status of tax deferral.  This can be a very efficient way to potentially leave more to your beneficiaries that you had anticipated.

Life Insurance
Arranging purchase of Life Insurance is one of the most fiscally responsible purchases you can consider for your loved ones.  When making the decision of which products  to purchase, you need to take into consideration the replacement of your income, and the potential costs of your funeral and estate settlement. To be safe, considering coverage of between five and seven times your gross annual income is wise.
There are two general types of insurance, Term and Permanent. Opting for Term Insurance typically means that there will be coverage in a general period of time and the payout would happen only if you pass in that period. The premium would be consistent from the beginning to the term’s end. Permanent insurance will last indefinitely and will cover you as long as your life unless you cease making payments. We can help you determine which plan is the best for you.

Retirement Planning
Retirement plans are necessary for everyone and as times change and life expectancy extends, the need to plan your retirement is more essential than ever. Depending on your retirement desires and focuses, the plans’ needs will vary.

Tax Planning
Taxes are one of the certainties that we can never escape. While Nation’s First Financial isn’t able to eliminate your taxes altogether, we can help you include tax planning in your portfolio and monetary considerations.
When you realize the importance of entrusting funds in tax-deferred vehicles, your money is able to compound interest tax free, hence growing at a much faster rate than it may have otherwise. You may put off paying taxes until retirement, when your income will likely be lower, enabling payment in a lower tax bracket.