Insurance and Annuity Advisors
Cutick Financial, LLC
About Cutick Financial, LLC
Nothing matters more than the safety and well-being of you and your loved ones. You want to make sure they live comfortable, happy lives, no matter what may happen along the way. With the proper planning, you can put your family on the path to a secure financial future, even if you’re not able to provide for them. By protecting your loved ones, they’ll be able to count on you — now and for years to come. Let us help you find the right insurance solutions to protect yourself and your family...our job is to inform and educate...there's NEVER any pressure to do business with us!
Our Services and Products
When you want to provide financial security to those who matter most to you, life insurance is a good place to start. It can protect your loved ones by helping to replace lost income following your death, so they have one less thing to worry about during difficult times. Some policies also build cash value you can use if you need it. We offer multiple types of life insurance to match your needs and budget, so you can get the confidence of knowing you’re covered.
Estimating How Much Life Insurance You Need: The Rule of 3.6
Life Insurance Basics
Disability Income Insurance
Like most people, you may have a range of financial obligations you’re respon-sible for, such as rent or a mortgage, retirement savings and everyday expenses. If you become disabled, you’ll still need to fulfill your commitments and provide for your loved ones. Even if you have group long term disability income insurance through your employer, it may not be enough. Individual disability income (DI) insurance may help protect more of your income if you become too sick or injured to work for an extended period of time.
Disability Insurance Basics
Long-Term Care Insurance
Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.
Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them.
Long Term Care Insurance Basics
Annuities can be a powerful way to save for retirement. They are specifically designed to help you reach long-term financial goals, whether you want to put money aside for the future, generate a stream of income you can’t outlive, or both. Annuities may help your savings grow faster because you don’t pay income taxes on the money in your contract until you take a withdrawal. Annuities also are unique in that they can provide guaranteed lifetime income. Each type of annuity has advantages and drawbacks that you should consider carefully before deciding whether an annuity is right for you.
Wealth Management and Trust Services
Intoday’s world of challenging markets, you want to be confident you’re making the right decisions for your financial future. Whether you want to optimize your investments or create a trust for your loved ones, building a successful wealth management strategy requires a full financial roadmap that takes into account your goals and risk tolerance. That way, you can preserve, grow and distribute your wealth — with a plan that fits your comfort level and vision for the future.
Your financial health is just as important as your physical health. We team up with employers to provide employee benefit solutions that help keep you and your family financially healthy during your working years and beyond. Whether it's group life insurance, retirement plans, and executive compensation and income protection plans, we can help with a plan that fits your--and your business' needs.
There are many planning strategies available for today’s charitably inclined clients. It’s important to keep in mind that each case requires specialized consideration. For this reason, the coordinated efforts of the client’s personal legal, tax, financial and insurance advisors is advantageous to ensure the anticipated results. In addition, remember to engage us so we can assist with evaluating a client’s circumstances and objectives, and with formulating appropriate planning suggestions, including how to best position life insurance and annuity recommendations.
Helping children reach for their dreams
Many people want to help their children achieve their dreams and realize their financial goals. Whole life insurance can give children a head start toward those goals by providing a guaranteed amount of life insurance to help your children protect their families. In addition, they will receive guaranteed increases in cash value.
As parents, we all want our children to flourish and live happier and more productive lives then we did. Unfortunately, for many of us this dream is slowly slipping away. Without a sound education and a solid financial foundation, overcoming these obstacles will be a daunting challenge for our children. We work with WealthyStarts to help you get your children started on the road to financial success.
Companies We Do Business With