Holistic Services Designed to Protect Your Assets

First Fidelity Group, Inc. offers protection-based insurance strategies for current and future retirees. Before providing any services, we conduct a thorough needs assessment to ensure we have the correct information to properly diagnose risk and offer customized strategies to remedy concerns.

Are you considering retirement and wondering if you have enough assets for income to sustain you for the rest of your life? Are you concerned about potential risks that can erode your assets, like market volatility, inflation, taxes, and healthcare costs? Or how to draw down your retirement funds and transition from working to being retired? At FFG, we have worked with thousands of clients, helping them assess and prepare. Let us calm your concerns and put our expertise to work for you with a customized retirement income strategy that meets your needs.

Have you left old 401(k) accounts behind when you have changed jobs? Or you may have too many forgotten or unmanaged accounts that are no longer positioned to meet your needs. If so, you are not alone. Many people find themselves in this situation. At FFG, we can help gather your old accounts and propose strategies to streamline and help ensure your accounts are on track to meet your needs.

One of the significant risks in retirement that can erode funds is over-paying in taxes. While we all know we must pay our fair share, none want to over-pay. There are strategies available using insurance that can help alleviate some tax pressures and reduce your overall tax burden. We can look at your specific situation and see if this is an option for you. We can also work with your accountant and CPA to help ensure our tax efficient strategies align with your overall tax situation.

One of the downsides of retirement is facing the issues of aging and declining health. Unfortunately, this is just part of life and something that careful planners consider when trying to offset risk in their retirement years. The cost of care can be expensive, and care can be challenging to access without a plan. One option is Long-Term Care Insurance. It's designed to provide in-home or in-facility care when a person can no longer perform critical daily living activities like bathing or cooking. FFG can help identify your needs and find a suitable policy that addresses your concerns and budget.

Life insurance is desirable to those wanting to leave a financial gift to others after passing. The funds can be used to pay off debt, fund an education, or simply make life easier for the beneficiary. Annuities come in many types and can be helpful to people interested in preserving and protecting their assets without being over-exposed to market volatility. Annuities can also be used to create an additional income stream for life, which is desirable to many retirees and near-retirees. FFG can work with you to identify your needs and find the right policy to enhance your situation.

One of the most meaningful gifts a person can leave to another is a well-thought-out legacy plan that addresses beneficiaries, tax issues, and provides financial resources to a surviving spouse, family, or a favorite cause. This can be accomplished through life insurance, properly documenting beneficiaries on all accounts, and preparing wills, trusts, and power of attorney documents. At FFG, we can help you work through these activities, secure life insurance, and partner with your attorney to confirm your affairs are in order.

If you are an employer or small business owner, finding the right employer-sponsored retirement plan can be challenging. You want the best for your employees but must also be mindful of the business's bottom line. At FFG, we specialize in finding win-win retirement plan strategies for employers and employees. Work with us to learn about the various options and plans available to meet your business needs.

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Are you interested in learning more about your options? Reach out today to schedule a complimentary, no-obligation appointment.