Plan for your future

There is no one “best place” to put your retirement money because each individual and couple has unique requirements, different tolerances for risk, and need their money at different times. Likewise, there is no one place to keep your money that fits everyone for exactly the same reasons. Your unique circumstances must be taken into consideration if you seek to find the “most favorable place” for your retirement money. This is where we can be of service.


What We Do


Retirement Planning

Retirement is the day your money works for you instead of you having to work for money.

Each person’s idea of retirement is different. While some people will never quit working, others may slow down and others will stop working completely. Some want to travel, others want to garden. Others want to turn a hobby into a new business. Regardless of your personal circumstances, we can custom design a retirement and income plan to suit you, keeping in mind that safety, growth and income are not mutually exclusive.

Retirement planning involves organizing your financial resources to achieve your goals at a predetermined time in the future. When developing a retirement plan, it is crucial to ensure that your company retirement plan or IRA’s, investments, income plan, risk plan, and social security are working together and not against each other.


Investment Planning

The idea that you have to take on high levels of risk in order to achieve market returns is simply not true.

Our investment philosophy is that by protecting and preserving your money first, you will achieve greater overall returns. This takes precedence over market returns and as it turns out, this has been the right call. Chasing high returns at the risk of relinquishing market gains and invested principle is a formula for insanity. Our investment managers all have the ability to go into defensive cash or hedging positions when necessary which allows for a better reentry point.

Our first goal is to establish a risk plan to insure market corrections do not eliminate market gains. This type of risk management and attention to accounts has traditionally only been available to the ultra-affluent. We have leveraged our buying power in order to provide some of the industry’s best institutional money managers, all with varying investment systems and specialties designed for you. Our goal is to capture the majority of the upside of the market and limit the participation in market downturns.

There is also no such thing as a perfect investment, let alone a strategy that is always in favor at all times. However, we have fine tuned out approach to maximize on market variations. We like to refer to this as “riding bulls and taming bears.”


Income Planning

Imagine if you could see your future 20 years from now.

What financial advice do you think that you would give yourself today? What kind of lifestyle do hope to create for your retirement?

Now, imagine that from this moment on, you could know precisely how much money you need and where it will come from every month in order to live the retirement you desire.

Sound impossible?

At SPG Advisors that vision is not only possible, but we help every one of our clients know how much money they will have every month of every year, until they’re 100 years old. We specialize in helping Retirees and Pre-Retirees overcome the Anxiety of Retirement by providing Security, Consistency, and Predictability to their Retirement Income, no matter what the stock market does.

We often hear from our clients that they sleep better and worry less knowing that they have a secure income plan. As a result, we have seen their net-worth increase dramatically.


Estate Planning

  • Review goals
  • Inventory your assets and their value
  • Create wills and trusts
  • Select beneficiaries and guardians
  • Monitor and review for life changes

Insurance Reviews

Medicare
Face it, Medicare can be confusing. Let our Medicare specialists navigate the Medicare system with you. We are independent and can explain the advantages of every available plan and show you non-biased comparisons to enable you to arrive at the best choice. There are never any fees for our services. We are happy to answer questions and we are just a local phone call away. If you are approaching 65 or need to update your current plan, call to schedule an appointment at 425-821-9442.

We also offer free classes during the annual open enrollment period each year and those classes will be listed on our website. But we are also available to answer other questions whenever the need arises.

The following topics will be discussed at our free Medicare classes:

  • What is Medicare and what are the enrollment periods?
  • What are Medicare supplement plans?
  • What are Medicare Advantage plans?
  • What are prescription drug plans?
  • What are the costs associated with each plan?
  • How to choose a plan that is right for you?

Long Term Care Insurance
How will you pay for your care when your health changes? Long Term Care costs can quickly deplete your savings and the cost is not generally covered by Medicare. Long Term Care insurance can help you protect the lifestyle you have worked so hard to build.

Life Insurance
How do you know if you need life insurance? If someone will suffer financially when you die, the answer is yes. The key to cost effective life insurance is to procure it before health issues and age increase the rates and move them out of reach. Call one of our advisors to evaluate how much protection you need and what plan best suits you. This is one of the cornerstones of family and estate planning.