Retirement Questions? We Have Answers.

Protect Your Assets with Insurance

Hegwood Financial Group offers insurance-related services to help you reduce risk in your financial life. We must get to know you, your goals, and your situation to prepare customized strategies to meet your unique needs.

Retirement Income Planning

Have you worked hard your entire life, diligently saving, and hoping to retire someday? Now that the day is nearing or has already arrived, are you concerned about how to draw down your income, make it last, and protect your nest egg? 

Retirement income planning involves examining your retirement resources against your needs, wants and lifestyle. Once the information gathered, organized, and assessed, it is often prudent to take steps to mitigate risks that could prematurely erode assets and create an additional income stream. 

Hegwood Financial Group specializes in retirement income planning. We can guide you through the process, provide a careful assessment, answer your questions, and offer customized strategies. We want to help you prepare an income plan that will support you for the rest of your life so that you can enjoy your golden years.

Annuities

Are you nearing retirement or in retirement and need to create an extra, guaranteed* income stream in addition to your defined benefit pension, IRA, or Social Security? We understand. Sometimes, additional ongoing income is needed.

Annuities are insurance products designed for these situations. Annuities can offer the policyholder a guaranteed income stream for life. Policies vary with many offering market returns and little or no downside risk. Annuities are complex insurance products, so it’s imperative that the purchaser fully understand the features of their annuity. 

Our firm specializes in assessing client situations and finding suitable annuity policies for our clients who need an additional income stream. We can explain the various policy types and make recommendations. Let’s explore your needs and determine if an annuity is right for you. 

*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.

Life Insurance

Are you concerned about what might happen financially to your spouse or family members after you pass away? Many people think about this scenario but never take action to alleviate their concerns and ensure their surviving family members have the resources they need during a challenging time. 

Life insurance can help reduce the financial risk associated with death. The benefit can help the surviving spouse or family members pay off debt, purchase a home, fund an education, or make work "optional." 

Hegwood Financial Group can help you find the right life insurance policy to meet your needs and leave your family or favorite charity a financial legacy. Over the years, we have worked with countless clients who have blessed others with a life insurance benefit. We have seen first-hand the life-changing effect insurance can have on loved ones when “paying the bills” is no longer a worry.

Small Group Health Insurance

Are you concerned with rising health insurance costs and struggling with access to adequate coverage? We never know when illness or injury could strike, leaving us needing quality health care and then paying the bills.

Small group health insurance is an option for people not covered by an employer plan or Medicare. Participants are pooled into smaller groups for this type of coverage, and costs are typically lower than if the person secures an individual policy.

Our firm offers small group health insurance coverage to meet your health care needs. We can work with you to find a suitable policy that tends to both your health and financial bottom line. Do not risk your health or pocketbook by neglecting to get health insurance, as unmanaged health care costs can quickly add up. Together, we can ensure you have access to the coverage you need.