Directional Benefits

2017 Health Care Open Enrollment Update:

 

https://youtu.be/LodXhfxRg0I

 
Services:

Individuals and Families

            Directional Benefits stresses the importance of having personal and family insurance protection. Life insurance is a critical part of planning for your future and the future of your loved ones. Our understanding and experience with Estate Planning, Life Insurance, Long Term Care, Disability Insurance and Health Insurance allow you to plan intelligently for the future.

Educating our clients is our main objective when discussing your insurance needs. And, after we have helped you decide on a plan that is right for you we’ll provide annual reviews to help maintain your insurance protection for your lifestyle and your family.

Life Insurance Planning: In the event of an untimely tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children’s education, protect your spouse’s retirement plans, and much more*.

Long Term Care Insurance:  If you develop a chronic illness or become disabled and are unable to care for yourself for an extended period of time, you’ll need long-term care services. And these services can be expensive. Full-time nursing home care averages $69,000 to $78,000 per year or 8 hours per day of home health care can cost $43,000 to $70,000 annually*.

Disability Insurance: The LIFE Foundation conducted a study that found that 70 percent of working Americans who might encounter a sudden disability could not go beyond one month before financial difficulties would set in. More than 1 in 4 Americans could not go beyond a week in the event of a disabling illness or injury. Disability insurance provides you and your family with a source of replacement income to help make ends meet until you’re able to return to work*.

* http://www.lifehappens.org/

 

Employers and Employees

            We know how much energy and time is dedicated to a successful business. We are here to make sure your assets are protected and your employees have the proper insurance in force. We can help with retirement accounts, business succession planning and group health insurance.

Directional Benefits provides important advice and management skills for your business retirement accounts. We assist in educating the business owner and their employees about their current health insurance and retirement accounts through seminars and individual meetings. And we’re always close by to answer any question or concern about your plans.

Retirement Accounts: We help set up and manage defined contribution (401K) and defined benefit plans to  help business owners maximize retirement savings through their business.

 Business Succession Planning / Life Insurance Planning: The future of your business is important to us so we help take the proper steps to assure that Key-Person Insurance and Buy – Sell Agreement plans are in place so that your company will be protected.

Group Health Insurance: Health Insurance rates are always on the rise and Directional Benefits has the knowledge and experience to lower your cost. We offer reviews to find out which health plan is right for your company.

 

Strategic Sports Planning

              Athletes today are under pressure to make financial choices without the knowledge, experience, and information needed, whether it is from potential agents, sports organizations, lawyers, sponsors, family or friends.

A young professional athlete faces a bewildering amount of information and advice in dealing with the sudden wealth of a professional sports contract. 

Christian Misa, Partner with Directional Wealth Management, has the background and staff to help you understand all of the information and choices presented to a young professional athlete.

Christian has his Life and Health Insurance  licenses. His partner, Jim McCarthy is a CERTIFIED FINANCIAL PLANNERTM  professional and is a Member of both the Financial Planning Association (FPA) and the Financial Services Institute (FSI).  Additionally, Jim holds the Chartered Financial Consultant® designation.

This allows Directional Wealth Management to offer a complete array of financial planning, life, and health insurance solutions geared towards the professional athlete, helping them to preserve, protect and grow the monetary rewards of being a professional athlete.

Christian knows that a professional player has to stay focused on developing his or her talents, working hard in and out of the gym to maintain their athletic edge.

Christian provides that freedom to each player by serving as the ‘quarterback’ of the Athlete’s personal team (Accountant, Sports Agent, Attorneys). Christian has worked with many athletes, helping them with their investment and insurance needs during every stage of their career.

Contact us for references and to learn more.

We help our athlete clients with:

o   Creating a Financial plan and retirement portfolio

o   In-depth Insurance Planning

o   Disability Insurance

o   Life Insurance

o   Long Term Care

 

Health and other non-variable insurance products are not offered through SAI.