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What We’ll Discuss

What We’ll Discuss

TOPICS

Here’s a brief look into some of the topics we’ll go over when we meet. Click on them to be taken directly there.

Financial Professionals

Our Financial Professionals develop individualized, comprehensive financial plans that are built around each client’s needs rather than being limited to the products any single company has to offer.

We aim to help local residents prepare for what lies ahead, which for most people, begins with their retirement. There are, however, countless unique financial situations in Indiana. Our experienced financial professionals know that everyone is different. We sit down with each client to understand their unique situations and goals for the future.

ReJoyce Financial’s financial professionals in Indiana offer life insurance policies, annuity investment services, and retirement plan consulting created to meet our customer’s individual goals.

Financial Services

There are lots of financial products that provide a safe pathway to a secure retirement. There are benefits and risks related to each one. Your financial professional at ReJoyce Financial will help you figure out which will work best for you and for your family’s future.

Annuities

Many people choose an annuity to bolster their financial freedom.

Life Insurance

The expenses that follow after someone passes away can be colossal. Who wants to leave that financial hardship on their family? A dependable financial advisor can help you decide which life insurance plan is best for you.

Infinite Banking

Infinite banking is a new concept based on something that has been around for centuries. It allows people to become their own banks.


What’s Life Insurance?

In a life insurance contract, an agreement is made between a customer and an insurance provider. The customer pays a certain amount of money at scheduled intervals, which is known as a “premium”. In return, the company will pay a lump sum to a designated beneficiary under certain circumstances (usually the policyholder’s death).

What is the difference between term, whole & universal life insurance? What are their pros & cons?

Term life insurance is linked to a specified time frame, relating to both premium payments and the payout.

Universal and whole life insurance are both guaranteed for the owner’s entire life. If correctly set up, these life insurance plans provide simple access to needed funds, while also providing for tax-advantaged growth of wealth.

All types of life insurance have benefits. Talk to our licensed Indiana life insurance professionals to learn more about term, whole, and universal life insurance and discover the best solution for you.

What are the benefits of owning a life insurance policy as opposed to investing in other ways?

Every investment plan has its pros and cons depending on your individual circumstances. To make the proper choice, working with an experienced financial professional is vital.

Who Needs Life Insurance?

The answer is simple: Everyone should buy life insurance.

Why Should Everyone Buy Life Insurance?

  • Funerals cost thousands of dollars. Why place that burden on your family?
  • To pay for the expense of children that may still be living at home.
  • Paying off outstanding debts, including mortgages.

These only represent a fraction of the reasons why you need life insurance. Contact a life insurance professional at ReJoyce Financial today to learn more.

Life Insurance In Indiana

Our team of Indiana life insurance specialists can help you through the unfamiliar process of choosing your life insurance policy. In order to select the option that works best for you, we’ll take your unique situation into account. Contact us now to take steps towards a more secure future.


Indiana Retirement Planning

You’ve anticipated your retirement with excitement for a very long time. How will you choose to spend this time? Will you travel or purchase your dream home? A good savings plan is vital if you want to achieve your retirement. You should know how much money you will have to use and stay away from financial trouble. If you want to make the best retirement choices, ReJoyce Financial is ready to help.

There are many tough choices to be made, whether you are a young professional or a few years from retirement. It can be very difficult to figure out everything you need to know about annuities, infinite banking, life insurance, and other financial products. Professional advice can help you avoid poor decisions and make sure you are pointed in the right direction.

To help you on the road toward the retirement goals you have been striving for, ReJoyce Financial provides professional retirement planning services in Indiana. When you choose to work with us, you’ll never be treated as a number. Our staff takes your retirement planning seriously and will do everything that we can to help you provide for your needs and goals during this important time period.

We Offer These Retirement Planning Services:

  • Life insurance
  • Annuities
  • Infinite banking

Meeting with an Indiana Retirement Planner

Some people approach retirement planning with the same trepidation that they would filing their taxes. It can often be tough to discuss your finances with someone you may have never met. By choosing the appropriate retirement planner, you will have no reason to fear. This experience will place you on the path toward a financially secure retirement.

These meetings will start with a conversation between you and your retirement planner concerning where your finances, savings, and investments currently stand. They will then present various solutions to you for saving and investing for retirement. The ultimate retirement planning decisions rests in your hands, though. We simply hope that this meeting will allow you to make your retirement decisions confidently.


What Are Fixed Index Annuities?

There are differences, both large and small, between fixed index annuities, life insurance, IRAs, and other types of annuity investments. But in the end, they have similar goals: to ensure financial security for you and your family.

To start, we will talk a little bit about annuities in general. They come in four basic forms: immediate, fixed, variable, and fixed index annuity. At the base level, they function as a contract between a financial institution and an individual. The individual agrees to pay a premium, which the financial institution will return (with interest) in a lump sum or as incremental payments. All money placed in an annuity is tax-deferred.

So what are some of the differences with fixed index annuities? Fixed index annuities are tied to a financial index, e.g. Nasdaq. With a flexible interest rate, there is more inherent risk with this annuity, along with greater potential for a stronger return. Most kinds of investments return the premium and a little interest. In contrast, fixed index annuities let you experience the benefits of a higher interest rate without leaving you exposed to major stock market risks.

Call ReJoyce Financial to learn more about Indiana fixed index annuities.

Fixed Index Annuities

As scientific knowledge has advanced, people have started living longer. Now is the time to start preparing for the future and improving your financial outlook. One option that can help achieve this goal is a fixed index annuity.

At ReJoyce Financial, you can find out more about fixed index annuities from our skilled financial professionals. We help individuals looking to secure their future in Indiana.


Indiana Senior Life Insurance

Regardless of where you are in life, life insurance is an effective way to keep your family safe. Sometimes the unthinkable happens and you should be able to help your loved ones with additional resources if it does. Call ReJoyce Financial to learn more about our life insurance products.

What is Life Insurance?

Life insurance is an agreement linking a policyholder and an insurance company. The customer pays an agreed-upon amount, referred to as a “premium”, regularly, and in exchange the insurance provider pays a lump sum to the chosen beneficiary under specific circumstances, usually at the policy owner’s time of death.

Which Life Insurance Policy is Right?

Commonly there are 3 kinds of life insurance to purchase: term, whole, and universal. When it comes to term vs. whole life insurance, it’s good to have the facts.

Term life insurance means you simply pay for an agreed-upon amount of time, and the benefit to your beneficiaries lasts only for a fixed period. Whole and universal life insurance are the two most typical kinds of life insurance. They are long-lasting plans, meant to endure the rest of the policy owner’s lifetime. If correctly set up, there are quite a few advantages to universal or whole types of life insurance policies, including easy access to needed funds, while additionally providing cash value, as it adds to tax-advantaged growth of your savings.

Both the whole and term kinds of life insurance have their share of advantages and disadvantages. Speak with any of our insurance specialists in Indiana to see which life insurance policy is best for your needs.

Life Insurance Financial Benefits

Each family is different, which is why every life insurance policy is different. This is why selecting a skilled financial professional is necessary.

Is Life Insurance Necessary?

  • Eliminate the trouble of funding funeral costs from your loved ones.
  • Cover the cost of dependents still staying with family.
  • Settle outstanding debts and finish off items such as mortgages.

If you want to find out more details concerning life insurance and how it protects your loved ones, contact ReJoyce Financial.


Wealth Management & Investments

Looking to know more about

Financial Advisors
Financial Planners
Investment Advisors
Wealth Management
Institutional Money Management
The Fiduciary Standard

Our affiliated company, ReJoyce Wealth Management, can help with that

Your Indiana Financial Advisor

Our Indiana Financial Professionals value long-term growth over short-term, volatile decision making. We offer seminars about retirement financial topics.

Alexander Joyce hosts The Retirement Halftime Show on TV and Radio throughout Central Indiana. Each week Alex discusses topics that have the greatest impact on retirees today. 

ReJoyce Financial’s office is located at 5 Center Green, Suite 106 in Carmel, Indiana. We serve Central Indiana, including the greater Indianapolis area. Click here to contact us today.

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