Life is unpredictable. At Integrated Wealth Management, we can help you protect your income and savings from life's uncertainties. Whether it's the risk of outliving your savings or dying before you have accumulated any, or the risk of losing your income to a disability or death, Integrated Wealth Management offers financial protection and retirement savings products to help you secure your future.

The Facts of Life

The death benefit provided by life insurance is a key component of a sound financial plan. The right amount of life insurance coverage can help you protect your family's current life style — without it, the loss of income could mean that a major change in lifestyle or standard of living may be required to meet expenses.

Beyond the Death Benefit

While life insurance is primarily purchased for the death benefit, permanent life insurance offers additional benefits that you can experience while you are living; those benefits are referred to as living benefits. Living benefits can be in the form of policy cash value, optional riders and policy features and can provide resources for helping with:

·   Supplementing retirement income

·   Preparing for chronic illness

·   Disability income

·   Business planning

·   College tuition

·   Charitable planning

The Long and Short of Long Term Care

In 1994, 7.3 million Americans needed long term care (LTC) services at an average cost of nearly $43,800 per year. By 2000, this number rose to 9 million Americans at nearly $55,750 per year. It's currently near $75,000 per year. By 2030 those needing LTC will skyrocket to 23+ million Americans, with projected, individual long term care costs reaching $300,000 annually per individual!

Will you have that kind of money to spare?

With a history of millions of Americans in care situations living with longevity, elder frailty, stroke, Multiple Sclerosis, Parkinson's, Alzheimer's, Spinal Cord Injury, Cerebral Palsy, accidents and other conditions that affect 50+% of folks over age 65 , we can testify to the need for mature thinking and adult decisions when it comes to long term care planning.

Kevin C. Swanson is a Registered Representative with and securites and financial planning services are offered through LPL financial,
a Registered Investment Advisor. Member FINRA/SIPC www.finra.org www.sipc.org
The LPL Financial Representative associated with this site may only discuss investments with residents of California and Nevada.