Your Future, My Priority
Expert retirement income planning for a secure tomorrow.
Your Future, My Priority
Expert retirement income planning for a secure tomorrow.
Welcome !
My name is J. Matthew Clark and I have the honor and privilege to work with my family at Senior Solutions Insurance Agency. I am the third generation financial & retirement advisor in our family following the footsteps of my father and grandfather.
Each of us may have an idea of what retirement may look & feel like. For someof us, it may be spending more time with loved ones. Others, may have waited a lifetime to travel or try new exciting things.
I specialize in helping people plan a fulffiling, maintainable & successful retirement. My approach will educate and empower your understanding of Social Security, Medicare and a creating a lifelong income. As a family business we represent your needs and will always go the extra mile when it matters most.
Suprisingly, healthcare costs and Social Security income have not traditionally been included in retirement planning. Traditional financial planners have focused on helping in three areas: savings and insurance (to protect what you have), investments (to accumulate wealth), and legacy (to distribute what you have).
Financial professionals who don't account for health care costs in a retirement plan and who don't tap Social Security's full potential put retirees at risk of not having enough money for your retirement expenses.
When you work with our family, we help prepare you for higher healthcare costs and the possibility of extended care costs and help to make sure your Social Security income is maximized. This approach helps ensure your savings, investments, insurance and legacy are on solid footing. We consider the more complicated pieces that can interfere with your retirement goals, and we help you manage a comprehensive and ongoing retirement plan that addresses longevity risk (outliving your money).
No matter where you are in the retirement process, we'll guide you through key retirement decisions and show you how they may impact each other.
J. Matthew Clark, RICP®, NSSA®,IRMAACP™
Credentials:
Bachelor of Arts from Florida Atlantic University
Retirement Income Certified Professional (RICP®)
Florida 2-15 Life, Health, and Variable Annuity License
National Social Security Advisor (NSSA®)
IRMAA Certified Planner (IRMAACP™)
America's Health Insurance Plans (AHIP) Certification
Areas of Expertise:
- Retirement Income
- Medicare & IRMAA
- Social Security
- Long Term Care
- Business Succession
- Legacy Planning
- Ancillary Benefits
Tailored Solutions
Retirement Income
Retirement Income
Retirement Income
In retirement, your income may shift from a steady salary to Social Security and pension benefits, but that can often be inadequate. Creating a reliable income stream can include various sources such as a 401(k), IRA, CD, or annuity.
Social Security
Retirement Income
Retirement Income
Social Security is a major source of income for most retirees. Claiming it too soon can reduce your monthly amount as much at 25% permanently and waiting can boost it by 32%, making the claiming decision is more important than most people realize.
Medicare/IRMAA
Retirement Income
Legacy Planning
Healthcare is one of the biggest expenses in retirement. A bad healthcare decision can cost thousands of dollars annually, and a lack of planning could ruin a retirement plan. Prescription drug prices are particularly worrisome for many retirees.
Legacy Planning
Retirement Income
Legacy Planning
Legacy Planning (life insurance) is deciding while you're alive how you want your estate distributed after your death. But it can be more than just leaving your children an inheritance. Failing to plan for your own death may leave your life partner or other loved ones in financial trouble.
Business Succession
Wealth Transfer/. Taxes
Wealth Transfer/. Taxes
The strategic process of identifying and developing internal talent to fill key leadership roles, ensuring business continuity when owners or executives leave, retire, or pass away.
Wealth Transfer/. Taxes
Wealth Transfer/. Taxes
Wealth Transfer/. Taxes
Wealth transfer is the process of passing assets—cash, investments, property, or businesses—from one person (usually a parent or grandparent) to another, or from one generation to the next, often to minimize taxes.
Long Term Care
Wealth Transfer/. Taxes
Long Term Care
This refers to when you need help performing at least 2 activities of dailing living such as: eating, bathing, dressing, transferring, toileting, continence. Sadly, long term care is not considered medical care and not covered by Medicare.
Seminars
Wealth Transfer/. Taxes
Long Term Care
We host a variety of educational seminars including taxes in retirement, Social Security, Medicare & more.
Our Blueprint
Education
Education
Education
We'll spend some time getting to know your main goals & concerns about retirement. We want to learn about your values, your goals and objectives in retirement so we can begin to educate you subjects that could deplete even the strongest portfolios if not accounted for.
Strategy
Education
Education
This is where we begin to build you a successful retirement blueprint. Our blueprint specifically addresses outliving your money (longevity risk), market volatility (sequence of returns risks), rising medical expenses (Medicare/ Long Term Care), taxes, and leaving a financial legacy for loved ones.
Service
Education
Service
I really value my clients and I work very hard to make my service standout among other professionals. Life is going to happen and your health or finances may change. Regardless of what life brings your way, I will help you make adjustments throughout retirement.
It's called "Our" Blueprint for a reason.