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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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    • Should you take a lump sum or annuity for retirement?

      The wrong choice caused some to run out of money It turns out, many retirees choosing to take their employer’s 401(k) or pension as a lump sum for retirement are taking their lumps. About a fifth of retirement plan participants (21%) MetLife surveyed who received their pensions or 401(k)s as lump sums depleted that money — in just 5½ years, on average. And among those who took a lump [...]

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      AT WHAT AGE SHOULD YOU PURCHASE AN INDEXED ANNUITY?

      The great thing about fixed indexed annuities is that they are a reliable retirement planning vehicle appropriate for people in a variety of life stages. However, there are a few rules of thumb to follow when thinking about purchasing a fixed indexed annuity. Of course, always speak with your retirement planning professional to see what makes most sense for you and your family. Mid-40s to [...]

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      2 Huge Things People Get Wrong About Retirement

      So much for the "golden years." Some 28% of recent retirees complain that life is actually worse in retirement than it was when they were working, according to a recent survey by Nationwide. The cause may be mismatched expectations. Pre-retirees tend to overestimate two factors that will be important to their wellbeing, the survey suggested: their future retirement income and their future [...]

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    • This week's Slott Report Mailbag looks into RMD rules and the "still-working" exception as it pertains to IRAs. As always, we recommend you work with a competent, educated financial advisor to keep your retirement nest egg safe and secure. You can find one in your area here. Question: Good Morning Mr. Slott and Colleagues, I just finish reading your book The Retirement Savings Time [...]

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      While there is a lot of focus on the proposed tax law changes that have a target effective date of 2018, there is something we can count on for 2018, the inflation adjusted retirement account limits. There are currently no proposed changes to the following limits. IRAs The IRA/Roth IRA contribution limit remains unchanged at $5,500 with a $1,000 catch-up amount for those who are age 50 or [...]

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      Tax Reform and Your Retirement Account

      House Republicans took the first shot at tax reform with the release of the Tax Cuts and Jobs Act on November 2. Now it is the Senate’s turn to weigh in. Not surprisingly, the Senate’s take on overhauling the tax code looks very different than the House version. You may wonder how your retirement account may be affected. Here are some highlights. As the details of the Senate plan are [...]

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