Protect the Continuity of Your Business with Buy-Sell Life Insurance ??? When a business partner or owner passes away, it can lead to financial strain and uncertainty for the company. That’s where Buy-Sell Agreements funded by Life Insurance come in. This strategy ensures a smooth ownership transition, protects heirs from being burdened with the business, and provides financial security for the remaining owners. Whether you’re looking to safeguard your business or plan for retirement, this approach can help protect your future and the legacy of your hard work. Some key benefits: - Seamless transfer of ownership to surviving partners. - Heirs receive predetermined value for the deceased’s share. - Business continuity without outside interference. - Potential tax advantages. As financial professionals, it’s our job to help you ensure your business remains strong and resilient in the face of any challenge. Let’s work together to develop a customized plan that fits your specific business needs. ?? Talk to me today to explore the right coverage for you! Julio (Ricky) Gonzalez, RMIP? President and CEO Pinnacle Financial Group, Inc. #BuySellAgreements #BusinessContinuity #LifeInsurance #FinancialSecurity #RiskManagement #BusinessOwners #BusinessProtection #SuccessionPlanning #RetirementPlanning #NorthAmericanInsurance
Pinnacle Financial Group, Inc.
保险业
Weston，Florida 185 位关注者
Building Financial Futures with Confidence: Your Trusted Partner for Medicare, Investment, & Comprehensive Care Planning
关于我们
My name is Julio (Ricky) Gonzalez, RMIP?, and I am the CEO of Pinnacle Financial Group, Inc., a leading boutique insurance and investment services specializing in HNW, Business Owners, Doctors, and Retirees At Pinnacle Financial Group, Inc., we understand the importance of comprehensive financial planning that aligns with your specific circumstances and goals. With this in mind, we have tailored our services to cater to your needs and provide you with peace of mind regarding your financial future. Our primary focus is on offering personalized insurance and investment solutions to ensure your financial well-being. We specialize in life insurance, disability insurance, Medicare, long-term care insurance, and retirement strategies with guaranteed income for life. Our experienced team of financial advisors works closely with you to understand your individual financial situation and develop customized strategies that safeguard your assets, mitigate risks, and maximize growth potential. Pinnacle Financial Group, Inc. takes pride in providing a comprehensive suite of insurance products designed exclusively for each individual. Whether you are just starting your career or looking to protect and grow your wealth as you approach retirement, our solutions are tailored to meet your specific needs. We are committed to building long-term relationships with our clients based on trust, integrity, and transparency. We take the time to listen to your concerns, understand your goals, and provide clear explanations of the strategies we recommend. Please feel free to reach out to us at (954) 601 9555 or via email at [email protected]. We look forward to the opportunity to serve you and contribute to your financial success. Julio (Ricky) Gonzalez, RMIP? CEO, Pinnacle Financial Group
- 网站
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https://www.pinnacleflorida.com
Pinnacle Financial Group, Inc.的外部链接
- 所属行业
- 保险业
- 规模
- 11-50 人
- 总部
- Weston，Florida
- 类型
- 私人持股
- 创立
- 2001
地点
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主要
获取路线
2625 Weston Rd
US，Florida，Weston，33331
Pinnacle Financial Group, Inc.员工
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Karan Stracener
Owner at The Pinnacle Financial Services Group
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Erick B. Slootsky
General Counsel: Pinnacle Financial Services
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Julio (Ricky) Gonzalez, RMIP?
26 Years Experienced Financial Advisor | Dedicated to Safeguarding Your Future and Empowering Financial Independence with Strategic Advice.
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7 Reasons to Consider Annuities Now! In times of uncertainty, protecting your future is more important than ever. Fixed annuities can be a powerful tool in your retirement planning strategy, providing a reliable income stream and safeguarding your assets. Here’s why annuities should be on your radar: 1. Preparing for Peak 65 By 2024, the U.S. will have more people aged 65+ than ever before. As you near retirement, shifting focus from accumulating assets to protecting them becomes crucial. Fixed annuities offer security from market risks while providing predictable lifetime income. 2. Protecting Existing Gains With market volatility, protecting what you've already earned is key. Transitioning from pure equity products to fixed annuities can help lock in gains while offering the potential to grow through interest based on market performance. 3. Leveraging Tax Deferral Fixed annuities provide tax-deferred growth, allowing you to accumulate interest and gains without immediate tax liabilities. As tax laws evolve, this feature can be an essential component of a tax-efficient retirement plan. 4. Managing Risk Annuities help mitigate several retirement risks such as market fluctuations, inflation, and outliving your savings. By offering a stable income stream, annuities protect your long-term financial security. 5. Creating a Personal Pension With traditional pensions becoming rarer, annuities can fill the gap by creating a steady retirement income similar to a pension. This makes them an effective solution for closing any potential income shortfall. 6. Avoiding Hidden Fees Fixed annuities are structured to be transparent and free from common hidden fees. As long as you avoid early withdrawals or contract termination, you can benefit from a cost-effective way to secure your financial future. 7. Capitalizing on Innovation Today’s annuities are far more advanced, offering features like higher payout options, long-term care benefits, and more. These innovations ensure annuities are adaptable to a range of retirement needs. If you're considering ways to protect your financial future, it might be time to take a closer look at how annuities can work for you. Julio (Ricky) Gonzalez, RMIP? President and CEO Pinnacle Financial Group, Inc. #Annuities #RetirementPlanning #FinancialSecurity #IncomeForLife #WealthManagement #RiskManagement #FinancialAdvisor #RetirementSolutions #Peak65 #FixedAnnuities Taken from: NAFA (National Association for Fixed Annuities)
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What is an Index? Understanding the basics of indices is essential for anyone involved in financial markets, whether you're investing or advising clients. This infographic from NAFA (National Association for Fixed Annuities) beautifully explains what an index is and how it works. An index tracks a collection of assets, ranging from equities to complex instruments like derivatives and cryptocurrencies. It’s built using clear rules for asset selection, weighting, and rebalancing—think of it as a recipe where different ingredients come together to form a blend that represents market performance. For example, some popular indices like the S&P 500 or the Dow Jones Industrial Average serve as benchmarks that track the performance of their specific asset mixes. The key takeaway? The clearer and more public the asset prices, the more transparent and effective the index becomes. As financial professionals, understanding the construction of indices allows us to make better decisions and offer sound advice. Knowledge is power! Julio (Ricky) Gonzalez, RMIP? President and CEO Pinnacle Financial Group, Inc. #Finance101 #Indices #FinancialAdvisors #InvestmentEducation #AssetManagement #MarketInsights #FinancialPlanning #RetirementPlanning #NAFA #RiskManagement
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Dennis Martin, president of Individual Life and Financial Services, shared financial management guidance during a pandemic in a Q&A feature with USA TODAY and Mediaplanet USA’s Planning for your Future campaign. Dennis was among the industry experts and well-known influencers to offer analysis and practical tips for weathering the storm and planning for the future. #financialservices #planningforyourfuture https://lnkd.in/d-9JR-6
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Congratulations to North American Company for Life and Health Insurance and Annexus Group for winning the prestigious "Deal of the Year, Annuities" award at the SRP Americas 2024 Awards! This recognition highlights their commitment to delivering innovative and client-focused solutions, particularly through their work on the Secure Horizon Suite of fixed index annuities. It’s inspiring to see these industry leaders continue to push boundaries and elevate the standards for financial products that help secure clients’ futures. Here’s to continued success and innovation! Julio (Ricky) Gonzalez, RMIP? President and CEO Pinnacle Financial Group, Inc. #FinancialExcellence #Annuities #NorthAmerican #Annexus #RetirementSolutions #SRPAwards2024 #ClientFirst
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According to LIMRA, about 30% of individuals without life insurance acknowledge the need but haven't taken action due to perceived high costs, competing financial priorities, or uncertainty about how much coverage they need. Additionally, 10% of policyholders feel underinsured, highlighting a significant opportunity to better serve current customers by addressing their evolving needs. As we observe #LifeInsuranceAwarenessMonth, it's essential to encourage conversations about protecting families and ensuring financial security. Life insurance is often more affordable and customizable than many realize. Get more stats from LIMRA’s 2024 Insurance Barometer Study: https://zurl.co/l0KK Repost for #LifeInsuranceAwareness #Annexus #FinancialProtection
26 Years Experienced Financial Advisor | Dedicated to Safeguarding Your Future and Empowering Financial Independence with Strategic Advice.
According to LIMRA, about 30% of individuals without life insurance acknowledge the need but haven't taken action due to perceived high costs, competing financial priorities, or uncertainty about how much coverage they need. Additionally, 10% of policyholders feel underinsured, highlighting a significant opportunity to better serve current customers by addressing their evolving needs. As we observe #LifeInsuranceAwarenessMonth, it's essential to encourage conversations about protecting families and ensuring financial security. Life insurance is often more affordable and customizable than many realize. Get more stats from LIMRA’s 2024 Insurance Barometer Study: https://zurl.co/l0KK Repost for #LifeInsuranceAwareness #Annexus #FinancialProtection
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Employees want more flexibility in healthcare! ?? According to Deft Research and zizzl health, 94% of ICHRA users reported similar or increased satisfaction vs. traditional plans. 55% said the transition exceeded expectations, and 79% of group plan members wish for more options. Flexibility, cost savings, and variety are key! Reab below and follow us or contact us if you want to be able to distribute these solutions and add these to your portfolio of products. Julio (Ricky) Gonzalez, RMIP? President and CEO Pinnacle Financial Group, Inc. #Healthcare #ICHRA #EmployeeBenefits #HR #zizzlhealth
26 Years Experienced Financial Advisor | Dedicated to Safeguarding Your Future and Empowering Financial Independence with Strategic Advice.
Healthcare options are evolving, and employees want more flexibility! According to real data from the latest study by Deft Research and zizzl health 94% of ICHRA (Individual Coverage Health Reimbursement Arrangement) members reported similar or increased satisfaction compared to traditional group coverage. 55% found the transition to ICHRA exceeded their expectations. Members praised ICHRA's flexibility in plan selection, with 68% satisfied with the range of health systems and 70% with the variety of plans available—outperforming traditional group coverage options. Employees also value cost savings, with 57% expressing satisfaction in that area. Importantly, 79% of traditional group coverage members said they wished for more options. The data speaks for itself: flexibility and choice in healthcare are critical for employee satisfaction. Could ICHRA be the solution your organization is looking for? ?? If you want to be able to distribute this amazing solution, with zizzl health , please call our Agency. Brett Hollenbeck is our Regional Manager. Julio (Ricky) Gonzalez, RMIP? President & CEO Pinnacle Financial Group, Inc. #healthcare #insurance #ICHRA #employeebenefits #flexibility #HR
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Navigating the transition from employer health insurance to Medicare can be challenging, but with the right information, you can make the switch smoothly. Here’s a comprehensive guide on how to successfully move from employer-based coverage to Medicare, ensuring you maintain continuous and comprehensive health insurance coverage.
26 Years Experienced Financial Advisor | Dedicated to Safeguarding Your Future and Empowering Financial Independence with Strategic Advice.
How to Switch from Employer Health Insurance to Medicare Navigating the transition from employer health insurance to Medicare can be challenging, but with the right information, you can make the switch smoothly. Here’s a quick guide on how to successfully move from employer-based coverage to Medicare, ensuring you maintain continuous and comprehensive health insurance coverage. Understanding Medicare Eligibility and Enrollment Periods Medicare Eligibility: If you are a U.S. citizen or permanent resident aged 65 or older, you are eligible for Medicare. Eligibility is not affected by employment status, so you can enroll in Medicare even if you are still working and have health insurance through your employer. Enrollment Periods: Initial Enrollment Period (IEP): This seven-month window begins three months before the month you turn 65, includes your birth month, and ends three months after your birth month. Enrolling during this period ensures coverage starts without delay. General Enrollment Period (GEP): If you miss your IEP, you can enroll during the GEP from January 1 to March 31 each year, with coverage beginning on July 1. However, you may incur late enrollment penalties. Special Enrollment Period (SEP): If you have employer health insurance, you can delay Medicare enrollment without penalty. You have an eight-month SEP to enroll in Medicare once your employment or health coverage ends. Coordinating Medicare with Employer Insurance Primary vs. Secondary Payer: For companies with 20 or more employees, your employer’s insurance is the primary payer, and Medicare is secondary. For companies with fewer than 20 employees, Medicare is the primary payer, and your employer’s insurance is secondary. Understanding which payer is primary helps manage bills correctly and avoid coverage gaps. Steps to Transition from Employer Health Insurance to Medicare Evaluate Your Health Coverage Needs: Consider your current health, medication needs, and whether you require additional services like vision or dental coverage, which Original Medicare does not cover. Decide When to Enroll: If you qualify for premium-free Part A, enroll as soon as you are eligible. For Part B, consider your employer coverage. If it’s creditable (as good as or better than Medicare), you can delay Part B without penalty. Enroll during your SEP if you lose employer coverage. Notify Your Employer: Inform your employer’s benefits administrator of your decision to transition to Medicare to ensure proper coordination of benefits. Enroll in Medicare: Enroll in Medicare through the Social Security Administration either online, by phone, or in person at your local Social Security office. Give us a call and one of our agents will help you make the transition a smooth one. Julio (Ricky) Gonzalez, RMIP? President and CEO Pinnacle Financial Group, Inc. #MedicareEnrollment #HealthcareTransition #EmployerHealthInsurance #RetirementPlanning #MedicareEligibility #MedicareAdvisor
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Did you leave a 401(k) behind when you switched jobs? ?? It happens more often than you think! But guess what? Now is the perfect time to take control of your hard earned savings and make sure they're working for you! ?? Whether you’re planning for retirement or simply want to maximize your financial potential, rolling over your old 401(k) into a new plan could be a game changer. Let's keep your money working as hard as you do. Let's make it grow! ?? DM me if you need guidance on how to get started. For more information and to get your consultation, contact us today: ?? Email: [email protected] ?? Call: 954-601-9555 ?? Visit: www.pinnacleflorida.com Let’s secure your future together! Julio (Ricky) Gonzalez, RMIP? Pinnacle Financial Group, Inc. #financialfreedom #401k #retirementplanning #wealthbuilding
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Happy National Senior Citizens Day! Today, we celebrate and honor the incredible contributions and achievements of our senior community. Your wisdom, experience, and resilience have shaped our world and continue to inspire us every day. At Pinnacle Financial Group, we’re dedicated to supporting seniors on their journey toward financial security and peace of mind. Whether it’s planning for retirement, managing investments, or ensuring a comfortable lifestyle, we’re here to provide expert guidance and personalized solutions. Thank you for your trust and for the invaluable lessons you’ve shared with us. Here’s to celebrating you today and every day! Contact us at Pinnacle Financial Group, Inc. and let us help you create the perfect plan for you and your family. Contact Us: [email protected] 954-601-9555
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