As with most other things in life, the key to achieving your long-term financial objectives is planning. Your goal may be to fund your children's college education, protect your family during your working years, or secure your own retirement security. These things won't happen by accident. It's important to determine what you'd like to achieve financially and then map out a strategy that will help you meet those goals. The good news is that it's never too late to start.
Of course, planning your financial future can be intimidating. Luckily, you don't have to do it alone. We are trained professionals who can help you identify your financial needs and then determine which insurance and financial products may best help you meet your objectives.
Your retirement needs are as individual as you are and Carstens Financial Group works to address those unique needs through estate strategies, pre-retirement and retirement funding and business insurance services. Our "Big Picture" approach includes communication and candor, and a full range of products and services to provide possible solutions for your unique retirement.
Our service philosophy places your needs, goals and desires first. We'll conduct a thorough and ethical review of your current financial status and create solutions to help you meet, and exceed, your expectations.
Planning isn't a one-time thing. We're with you through each step of the process because your life or circumstances may change, and strategies may need periodic adjustment. Working together, we can help you achieve your retirement dreams.
At Carstens Financial Group, we simplify matters for you by offering a wide variety of products and service to help you achieve your financial goals all in one place.
Our Products
Stocks, Bonds and Mutual Funds
Deferred, Fixed and Variable Annuities
Lifetime Income Annuities
Individual & Group Life Insurance
Individual & Group Health Insurance
Long-term Care Insurance
SEPs, Simple
Carstens Financial Group focuses on providing comprehensive asset management, estate planning and life insurance solutions. Allow us to help you secure your financial future.
Health Insurance
Long Term Care
Long Term Care (LTC) is a variety of services which help meet both the medical and non-medical need of people with a chronic illness or disability who cannot care for themselves for long periods of time. The Centers for Medicare and Medicaid Services. (CMS) estimates that about nine million men and women over the age of 65 in the US will need long-term care in 2006. By 2020, 12 million older Americans will need long-term care. A study by the U.S. Department of Health and Human Services says that four out of every ten people who reach age 65 will enter a nursing home at some point in their lives. About 10 percent of the people who enter a nursing home will stay there five years or more.
Your retirement needs are as individual as you are and Carstens Financial Group works to address those unique needs through estate strategies, pre-retirement and retirement funding and business insurance services. Our “Big Picture” approach includes communication and candor, and a full range of products and services to provide possible solutions for your unique retirement.
Asset allocation is one way to reduce risk, but it’s not the only way. You could also use tools that offer growth potential with limited downside exposure. For example, certain types of annuities offer potential growth with downside protection. You can participate in returns linked to the market without experiencing volatility and risk. Annuities aren’t right for everyone, however. Be sure to talk to a financial professional about whether they make sense for your strategy.