A Safer Retirement and Environment – What We’re Implementing to Help Keep You Safe: READ MORE

Here at Pivotal Financial, we are adhering to state and local guidelines in order to protect both the health and safety of clients and staff. Keeping our clients and staff safe is our highest priority and we’re taking all appropriate measures to ensure a safe environment. Should you prefer to not meet face-to-face, we are continuing to serve our clients through virtual settings such as Zoom or phone calls.

We look forward to continuing to help individuals and families achieve their ideal retirements.

Pivotal Financial
(615) 732-6212

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Worried that your financial strategy is

Missing Something?

We’re here to help you feel confident in your financial future.

Your Dreams Matter.

At Pivotal Financial, we believe everyone should be able to live the retirement they’ve always wanted. Our team of professionals can help you create a well-thought-out strategy, using a variety of investments and insurance products and services, to help you address your financial needs and concerns.

Financial Services

Our financial planning process is a thorough, yet simple way for you to take the first step toward reaching your financial goals. Throughout our process, we can help develop customized financial strategies that can turn your goals into reality.

  • We identify the values and beliefs most important to you and your family.
  • We establish a clear set of short & long-term financial goals based on your values & beliefs.
  • Together, with your tax, legal and other professional advisors, we compare financial alternatives and develop recommendations that work towards achieving your financial goals.

A well rounded financial plan examines your total financial picture: your current financial position, risk management, investment planning, retirement planning, tax planning, and estate planning. Your most valuable asset is time. The sooner you begin to plan for your financial future, the better your chances of achieving your goals.

Some of our Financial Services include the following, but not limited to:

  • 403B / 457 Not for Profit Set Up
  • Annuities
  • Asset Protection
  • Charitable Giving
  • College Funding
  • Estate Planning
  • Fixed Indexed Annuities
  • Guaranteed Income
  • IRA & 401(K) Assets and Planning
  • IRA, 401(K) and 403(B) Rollovers
  • Lifetime Income Planning
  • Retirement Income Planning
  • Safe Money Options
  • Social Security
  • Wills, Trusts, Estates
Insurance Services

Some retirees underestimate the impact a big market loss may have on the future of their income. Luckily, insurance can be used to protect more than just your physical assets. It can also be used to help protect your future. Our firm specializes in helping individuals safeguard their retirement nest eggs by offering a variety of insurance products and financial planning strategies.

Some of our Insurance Services include the following, but not limited to:

  • Accident Insurance
  • Critical Illness Insurance
  • Disability Insurance
  • Final Expense Life Insurance
  • Health Insurance
  • Indexed Universal Life Insurance
  • Life Insurance
  • Living Benefits Insurance
  • Long Term Care Insurance
  • Medicare Insurance
  • Medicare Supplemental Insurance
  • Short Term Major Medical Insurance
Wealth Planning

What is Wealth Planning

Wealth Planning is a client-centered process focused on developing a roadmap to help clients build, protect, and transition their wealth by looking at all areas of their financial life including retirement, tax, legacy, and business planning.

Income Planning

Our goal is to help ensure your expenses can be paid month to month with reliability and predictability for the rest of your life. This typically includes:

  • Social Security maximization
  • Income and expense analysis
  • Inflation plan
  • Spousal plan
  • Longevity protection
Estate Planning

Just owning a house is one thing, but how can you make that house work for you. While one of the simplest ways to recoup money spent on a house is to spend it, that isn’t always a practical option. It isn’t even always the best option. But your estate is more than just your house – it includes all of your tangible, and at times intangible assets. Real property, vehicles, pieces of artwork, and valuable items are only a few pieces of the puzzle. Planning out your estate is a complex, oftentimes arduous task – let us help you with a few simple steps.

There are multiple elements to an estate, all of which should be considered in the formulation of a plan. When most people think of an estate, the first thing that usually comes to mind is a will. A will allows you to specify your precise wishes on how you want your property to be distributed among your family and others. This is something that should be updated regularly, as certain milestones are met – setting a conservator for your children’s care may not be necessary after a certain age, for example. Another element is a trust, which holds your assets to for the benefit of one or more people, such as your children, your spouse, your pets, or a business. A trust is set up with the assistance of an attorney, as it is a legally binding document. Life insurance is one of those topics that most people don’t discuss until it is too late. A life insurance policy is designed to protect you and the beneficiary in the event of something tragic, and it can be a crucial element of any estate plan. Another element of an estate are gifts, which are transfers of property that are made during your lifetime, either to a family member, a friend, or to a charity.

Some of these topics may be uncomfortable. Planning for a future where you aren’t present always is, but it is imperative to have some plan set in place before then. In having your desires spelled out, you can prevent future hardships. During your lifetime, choices can be made that offer you benefits with your taxes, such as write-offs. Your estate is a central part of your life, and the life that will go on after yours. Planning ahead protects your family, and those closest to you, while also ensuring that your wishes for their lives are met.

As registered investment advisors, it is our duty to help make the best choices that benefit you, as our client. When planning an estate, that is our only goal. We understand the difficulty of such a topic, and are here to assist you in any way you need. When planning your estate, we will help you determine the average of your current income, and likely future income, annual expense, current assets and debts, and the tax implications that can hinder or assist your estate. These details allow us to set out a plan that meets your needs and your wants.

Contact us, and we can begin the process of preparing for your future.

Medicare Services

What is Medicare and What Does it Cover?

Medicare is the federal health insurance program for people who are 65 or older, or those under 65 who may qualify because of a disability or another special situation. Medicare helps millions of American seniors and disabled individuals cover some of their health care costs.

Some of our Medicare Services include the following, but not limited to:

  • Medicare Insurance
  • Medicare Supplemental Insurance
Retirement Planning

This is one of those topics that nobody likes to think about – life after work. It’s never too early to start preparing for your retirement. We can assist you in making these plans so that you, and your grandchildren, are prepared for the future. From how much money you should be taking out of your paychecks, to the types of investment options available to you that can help to grow your financial profile, we have your back. Retirement does not have to be a taboo subject and, in our opinion, it shouldn’t be. Planning ahead is the right move, not only for you, but for your family.

When planning your retirement, one of the most important steps is to determine the lifestyle you want after you’ve finished working. Do you want to live similarly, or exactly, as you are now? Do you want to live beyond your current means? Do you want to continue having sources of income that don’t require you to go to work every day? These questions are just a few that will be covered, so that a plan can be devised to meet your needs, your wants, and to help plan ahead for any surprises that may come up in your post-working life.

The amount of money set aside or invested is key to the success of any good retirement plan. It is key to answering the questions laid out above. If you have a style of living that you don’t want to give up, you need to have enough money set aside to get you through that period in relative comfort, all without having to go back to work once you’ve finally settled down. We are here to help you pinpoint the style of life that you want to maintain in your retirement, so that when you reach this stage of your life you aren’t simply prepared – you’re completely set for life.

For some, these plans include setting aside something for their children after their gone. For others, this includes setting aside something for an annual vacation. For others, still, this includes preparing for long term medical care. Everybody’s path is different, but that doesn’t prevent us from helping to lay out a plan that can cover the basic unknowns. These include, but are not limited to, drastic changes in health that require long term care, the death of a family member, unexpected accidents, such as a fire, earthquake, or flood. There are a number of circumstances that might put someone back at square one, but by being prepared in advance, you won’t be caught off guard. This is simply one of the services that we offer, here.

Don’t be afraid of retirement. Don’t be forced to go back to work, because of some unexpected occurrence. Be prepared for the future, its ups and downs. These are your golden years for a reason – and it’s important that you enjoy them.

Contact us today, and we can help you lay out a plan for your future in retirement!

We offer services in these three areas:

Grow

Prepare for retirement by putting your hard-earned assets to work.

HOW?

Retirement Income Strategies
Wealth Management
Annuities
Investments
IRA/401(k) Rollovers

Preserve

Protect the assets that can help you live the retirement you’ve always imagined.

HOW?

Asset Protection Strategies
Life Insurance
Tax-Efficient Strategies
Long-Term Care Strategies

Give

Provide for the people and causes you care about the most.

HOW?

IRA Legacy Planning

Prepare for retirement by putting your hard-earned assets to work.

Trusts   Probate   Charitable Giving   Estate Planning   Tax Planning

Ready To Take

THE NEXT STEP?

 

For more information about any of our products and services, schedule a meeting today.

Or give us a call at (615) 732-6212

Investment advisory services are offered through Foundations Investment Advisors, LLC and is a SEC registered investment advisor.