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    • A FEW WORDS ABOUT US

      We here at Pivotal Financial & Insurance Services, LLC specialize in looking at the WHOLE PICTURE for our clients by re-allocating and re-positioning retirement assets for safety, growth, legacy planning, and income planning. We gather complete information to help our clients make informed decisions in an easy to understand manner to assist with their particular situation.
    • Our primary goal is keeping our clients' money safe from volatile and risky investments.

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      Financial Services

      Financial Services

      Our primary goal is keeping our clients' money safe from volatile and risky investments.

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    • Developing the right portfolio of insurance products is an essential step toward a comprehensive financial program or estate planning.

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      Insurance Services

      Insurance Services

      Developing the right portfolio of insurance products is an essential step toward a comprehensive financial program or estate planning.

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    • Workshop Schedule

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      Workshop Schedule

      Workshop Schedule

      Workshop Schedule

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    • Check our very informative educational video page. Here you can watch and learn some valuable information about financial and insurance services.

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      Educational Videos

      Educational Videos

      Check our very informative educational video page. Here you can watch and learn some valuable information about financial and insurance services.

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    • Extreme Lack of Diversification Could Add to Retirement Crisis Balance Gained By Considering Alternative Financial Products Like FIAs

      The retirement crisis has become a topic of conversation in the United States, and while its actualization is still widely debated, there is no doubt Americans need to take additional steps in order to ensure a financially stable retirement – one that allows them to cross off items on their bucket list while managing to pay for medical bills and other essential costs of living.   New data [...]

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      Social Security tips for singles

      Not married? Here are strategies to help you maximize your Social Security benefits. Key takeaways ✔ The longer you delay Social Security, the higher your monthly benefits. ✔ Divorced: Your benefit can be based on your ex-spouse’s work history. ✔ Widowed: Consider claiming survivor’s benefits or your own, and switch later. ✔ Consider all your income sources when [...]

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      Americans are spending more money after they retire

      Most people expect to spend less money after they retire. But that might not be the case -- at least not at first. Spending rose for more than half of taxpayers during the first three years after claiming Social Security, according to a report based on tax data and analyzed by economists at the Investment Company Institute and the IRS. Those with lower incomes were most likely to be spending [...]

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    • What a Year Means When it Comes to Your IRA Rollover

      The once-per-year rollover rule says that you can only roll over one IRA distribution from all of your IRAs (both traditional and Roth) in a one-year period. This is a tricky rule and many taxpayers have run into trouble with it. One area that can be very confusing is determining exactly what the definition of “year” is. Here is how it works. You can only rollover IRA funds once every 12 [...]

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      Avoid Penalties and Fees by Learning These Rules: Today’s Q&A Mailbag

      This week's Slott Report Mailbag looks into QCDs, RMDs, Rollover IRAs and Recharacterizations. As always, we recommend you work with a competent, educated financial advisor to keep your retirement nest egg safe and secure. Question: I put $5,500 in my new Roth IRA for both 2016 and 2017 in April 2017. I later found out my income was too high to open a Roth IRA. Another person advised me[...]

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      Options for a Spouse Beneficiary – Remain a Beneficiary or Retitle to Your Own Account?

      Warning! The options described here are for spouse beneficiaries named on the beneficiary forms of IRA accounts. Non-spouse beneficiaries and spouses who inherit through an estate have a different sets of rules. Your spouse has died and you are named the beneficiary of their IRA. What do you do now? The IRA custodian has automatically retitled the account as an inherited IRA and after all, [...]

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