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Wealth Control Advisors
Rosenheim Financial Services
60 William Street, Suite 200
Wellesley, MA 02481
781-263-4568 MA telephone
781-235-8890 private fax
8451 Egret Lakes Lane
West Palm Beach, FL 33412
561-691-1380 FL telephone
info@wealthcontrol.com
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Disability Contingency Planning
Do you live in half a house, drive half a car? What would happen if you only had half a paycheck? Wealth Control Advisors, located just outside of Boston, Massachusetts can help you understand disability income insurance and how it fits in your disability contingency plan and risk management planning. For more information, contact us online or call us at 781-263-4568 to schedule an appointment at our Wellesley, MA office or at our new West Palm Beach, FL office.
- Have you audited your income producing assets and disability income insurance to determine if it provides enough after tax income to support your family's lifestyle and requirements?
- Have you read the actual policy to determine and understand the definition of disability, the exclusions, or limitations, particularly if it is a group plan?
- Do you know if the disability income insurance you have covers your full compensation or only your base salary or draw?
- If you become permanently disabled, how can you contribute to your retirement plan? Since group and individual disability income policies do not continue to fund your retirement plans, have you calculated the impact that a permanent disability would have on your retirement income? Would you like to learn how you could protect your ability to make retirement contributions?
- Are you aware that the larger amount of total income you earn from work, the smaller the percentage of income that you can protect? Would you like to learn how to protect more?
- Would you be surprised to learn that company endorsed plans with 3 or more participants create significant discounts for everyone, particularly for women?
- Would you like to help your managerial, supervisory, sales, or administrative employees? If your company has at least 20 such employees, there are policies which may guarantee coverage without requiring exams, bloodwork, or health questions. Call us to learn more. Subject to home office approval.
- If you own your own company, will your business expenses impact your family finances if you are disabled? Would you like to learn how you to protect both your business and family finances?
- If you are a part owner in a private company, do you have a business continuation plan (buy/sell agreement) and does it contain a provision to buy out your interest if you become permanently disabled? Do your interests have protection should your partner be disabled or die?
- Would the permanent disability of a key employee cause a significant loss of profitability to your firm? Are your interests protected should your partner or you be disabled or die?
- Have you calculated the impact that long-term disabling health issue would have on your family assets?
More information is available about our Auditing Services, or you can read about our comprehensive Tailored Services.Alternatively, read our Case Study 3: New Key Manager at Company.
To learn more about our auditing services, call us at 781-263-4568 or email us.
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