1 Less Worry Test

I'm here for you and your family. -Danny Favreau

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Here are some of our services:

Critical illness insurance is medical insurance that provides a lump-sum benefit upon diagnosis of a covered critical illness or condition... more


An annuity can be used to save for retirement, preserve funds already saved for retirement and to provide a steady stream of income during retirement... more


Mortgage protection is simplified, quick issue insurance that is used to protect our client's greatest asset... more


Final expense plans are designed to remove, or offset, the financial stress that is associated with death... more


One of the biggest concerns related to new generations of people is the rapidly rising cost of a college education.... more


Living Will, Medical Power of Attorney, Your Final Arrangements, Donate Your Organs, Long-Term Care if all these things are planned, it will save your family from Probate and avoid family disputes.

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It's Never Too Early To Plan For Your Retirement!

Retirement Planning

An annuity can be used to save for retirement, preserve funds already saved for retirement and to provide a steady stream of income during retirement. They have become a very popular choice for retirement planning, especially with the stock market volatility over the last decade. Annuities are financial contracts between an insurance company and contract owners. Payments into an annuity can be made via a lump sum, or a series of monthly payments to the insurance company. These funds will accumulate on a tax-deferred basis, which can be a tremendous advantage over time. Fixed Index Annuities provide an opportunity for growth without the risk involved with most investments. This is especially attractive to pre-retirees and retirees looking to preserve assets they have built over several decades. Many annuities offer the ability to add optional benefits such as a lifetime income rider, which gives clients a guaranteed income no matter how long they live.

What is your COMRA Score?

The Color of Money Risk Analysis (COMRA) explores how you feel about potential gains and losses, examines the predictability of your assets, and provides a road map to your overall risk preferences. The output will be a Color of Money risk score. This short, interactive analysis is one of the first steps on the road to retirement. It's a short eleven questions and then you will receive your score. With full detail of your score.

Financial Reports

Not all clients are the same – the proprietary software reports and financial analysis provided by our strategic partners, including CFPs, helps ensure we have the tools to craft strategies for our clients.

Financial Reports Include:

Rule of 100
Color of Money
Annuity Policy Review
Life Policy Review
Financial Overview
Found Money
Income Aviator
Retirement Compass
Social Security Maximization

Rule of 100

The Rule of 100 report provides a quick snapshot of how much of your retirement accounts should be exposed to risk and potential loss based on your age. The illustrations found in the report provide a comparison of your existing risk and desired risk level.

Color of Money

The Color of Money report illustrates your risk exposure with your current assets, comparing your existing level of risk with your desired level of risk. Classifying assets based on level of risk is a critical component to your overall retirement strategy.

Annuity & Life Policy Review

These reports looks at your current policies to see if it still meets your needs, or if There is something that might be a better fit, and if so, provides possible options.

Found Money

The found Money helps identify cost saving opportunities that people routinely overlook through an Analysis of your brokerage statements, tax returns and insurance policies.

Income Aviator

Generating income during retirement is like flying through turbulence. If you are concerned about outliving your income. Income Aviator helps bring structure to an otherwise confusing concept. A retirement flight plan can illustrate how to partition retirement assets to maximize returns.

Retirement Compass

The Retirement Compass helps you chart your income planning destination. The report integrates multiple sources of income (including Social Security, pension and rental income) along with strategies to generate Income from assets to help fulfill your goals throughout retirement.

Social Security Maximization

This report analyzes possible filing strategies, examines multiple opportunities and helps determine an optimal solutions. It provides a complete retirement roadmap with dates and instructions to help maximize Your Social Security income.

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Contract vs. Investment

What's Your More?

Pursuing passions, traveling or giving back. Retirement isn’t the end of a job — it’s the beginning of the best work of your life.

Thinking about what will bring you the most happiness is key to getting the most out of the next big chapter in your life.

Discovering your retirement personality can reveal your “more” and lead you to financial solutions, like annuities, that can help you retire your way.

An annuity is a contract that can guarantee you to never lose money or the interest that you make from the stock market.

But an investment you can lose money from the market.

My question to you is: How much of your retirement money can you lose? If the answer is none then a contract is what you may be looking for.

The 3 Things Money Can Do

Annuity is called a “Contract” not an investment. It is a Contract between you and an Insurance Company for a Guaranteed Interest-bearing policy with Guaranteed Annuity Income options. The Insurance Company Credits Interest to your Annuity Contract, and you don’t pay taxes on the earnings until you make a withdrawal or begin receiving an Annuity Income.

Danny helps people enroll into a program to get the benefits that you find of value. One of the biggest things that Danny’s clients find our value is an income you cannot outlive. Investment like stocks or bonds cannot do this. Only an Annuity Contract can give you an income you cannot outlive.

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Generational Vault

Generational Vault is a virtual "safety deposit box" for you to upload important documents and view financial information. It comprises three dynamic components: securing a portal to pass and store confidential financial documents, reviewing daily investment values, and examining snapshots of financial assets and expenses so you can see your full financial position. All data is secured with an SSL Certificate that uses a 2048-bit public encryption key, one of the strongest available.

  • Updated Account Values
  • Financial Reporting
  • Online Vaulting and Storage

Easily view your whole portfolio to make sure your investments are doing what they are supposed to do. Additionally, this tool will help you make decisions about budgeting and investing to achieve financial success. Viewable 24 hours a day and seven days a week - you always have access to your most important information. All you need is internet access.

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Debt Free 4 Life

Debt Free 4 Life- Debt and taxes are two of the greatest detractors to wealth accumulation and spendable income that Americans face today. Income in America, I came to the shocking conclusion that well over 50% of what we earn over our lifetime goes to paying taxes and/or interest.

Debt Free 4 Life utilizing risk management based products, like life insurance, to modify a "snowball" approach to debt elimination and cash flow management.

Do you want to know when you will be Debt-Free?
If so then book your call with Danny!

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Social Security

You can begin getting Social Security retirement benefits as early as age 62.

But we will reduce your benefits by as much as 30% below what you would get if you waited to begin getting benefits until your full retirement age. If you wait until your full retirement age (67 for people who are born in 1960 or later), you will get your full benefit. You also can wait until age 70 to start your benefits. Then, we will increase your benefit because you earned “delayed retirement credits.”

Danny has his National Social Security Advisor Holder so if you need or have any questions book an appointment today.

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Medicare Supplement

Medicare is available at the age of 65.
You should apply 3 months before you turn 65.

Part A

Hospital coverage

Part B

Doctor’s visits and aspects of Outpatient medical care

Part C

Medicare Advantage with more coverage for routine healthcare that you use everyday. Examples: routine dental care, vision care, hearing care.

Part D

Prescription drug coverage

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