We Specialize in a Wide Range of INSURANCE PRODUCTS
AND SERVICES
We Specialize in a Wide Range of INSURANCE PRODUCTS AND SERVICES
Retirement Income Planning
We can help you explore options for a stable retirement income stream in retirement
Retirement Income Planning
We can help you explore options for a stable retirement income stream in retirement
Retirement Income Planning
We believe an enjoyable and lasting retirement is dependent on having stable retirement income. After looking at your unique financial situation, we aim to design a retirement plan that helps you create an income you won’t outlive—one that maximizes the value of your assets to protect your family and one that preserves your legacy for your beneficiaries.
Workplace Benefits and Defined Benefit Pensions
Workplace benefits can be complicated. It can be difficult to know how your benefits and defined benefit pension will align with your other assets and Social Security in retirement. We have experience looking at all the angles and can help make sure all income streams work together to support your goals.
Life Insurance
People often talk about insurance as “protection,” but it’s really a form of risk mitigation. It ensures that, no matter what twists and turns come with life, clients have a safety net in place. Nothing can protect you from risk. However, insurance can help provide resources when most needed.
Long-term Care Insurance
Not everyone has savings to cover the cost of nursing-home care, home-health care, or personal or adult care for people ages 65 and up. Some people fear facing a debilitating or chronic condition in retirement that depletes their savings and affects their legacy plans for their family. One option these people might have is long-term care insurance.
Legacy Planning
Legacy planning can be an emotional and complex series of decisions. Whether you want to leave your assets to your heirs or charity or want to develop a succession plan for your business, we can help you design a strategy that allows you to share your life.
Retirement Income Planning
We believe an enjoyable and lasting retirement is dependent on having stable retirement income. After looking at your unique financial situation, we aim to design a retirement plan that helps you create an income you won’t outlive—one that maximizes the value of your assets to protect your family and one that preserves your legacy for your beneficiaries.
Workplace Benefits and Defined Benefit Pensions
Workplace benefits can be complicated. It can be difficult to know how your benefits and defined benefit pension will align with your other assets and Social Security in retirement. We have experience looking at all the angles and can help make sure all income streams work together to support your goals.
Life Insurance
People often talk about insurance as “protection,” but it’s really a form of risk mitigation. It ensures that, no matter what twists and turns come with life, clients have a safety net in place. Nothing can protect you from risk. However, insurance can help provide resources when most needed.
Long-term Care Insurance
Not everyone has savings to cover the cost of nursing-home care, home-health care, or personal or adult care for people ages 65 and up. Some people fear facing a debilitating or chronic condition in retirement that depletes their savings and affects their legacy plans for their family. One option these people might have is long-term care insurance.
Legacy Planning
Legacy planning can be an emotional and complex series of decisions. Whether you want to leave your assets to your heirs or charity or want to develop a succession plan for your business, we can help you design a strategy that allows you to share your life.
Age 591/2
Age 591/2 is the age at which you can take distributions from your retirement plans without incurring the premature withdrawal penalty.1
Age 62
Age 62 is generally the earliest you can collect Social Security. However, if you continue to work, those benefits will be reduced if you take them before your Social Security full retirement age.1
Age 65
Age 65 is when Medicare begins. You should enroll in Medicare a few months prior to your 65th birthday. You will now need to make a couple of decisions regarding your healthcare options.2
Age 72
At age 72, your IRA dollars will be subject to a Required Minimum Distribution (RMD). This can be delayed until April 1st of the following year and each future distribution must happen by December 31st. Failure to take the RMD results in a tax penalty equal to 50% on the amount that should have been distributed.3
Age 591/2
Age 591/2 is the age at which you can take distributions from your retirement plans without incurring the premature withdrawal penalty.1
Age 62
Age 62 is generally the earliest you can collect Social Security. However, if you continue to work, those benefits will be reduced if you take them before your Social Security full retirement age.1
Age 65
Age 65 is when Medicare begins. You should enroll in Medicare a few months prior to your 65th birthday. You will now need to make a couple of decisions regarding your healthcare options.2
Age 72
At age 72, your IRA dollars will be subject to a Required Minimum Distribution (RMD). This can be delayed until April 1st of the following year and each future distribution must happen by December 31st. Failure to take the RMD results in a tax penalty equal to 50% on the amount that should have been distributed.3
Age 591/2
Age 591/2 is the age at which you can take distributions from your retirement plans without incurring the premature withdrawal penalty.1
Age 62
Age 62 is generally the earliest you can collect Social Security. However, if you continue to work, those benefits will be reduced if you take them before your Social Security full retirement age.1
Age 65
Age 65 is when Medicare begins. You should enroll in Medicare a few months prior to your 65th birthday. You will now need to make a couple of decisions regarding your healthcare options.2
Age 72
At age 72, your IRA dollars will be subject to a Required Minimum Distribution (RMD). This can be delayed until April 1st of the following year and each future distribution must happen by December 31st. Failure to take the RMD results in a tax penalty equal to 50% on the amount that should have been distributed.3
Daniel Wells, Vista Insurance Group
Daniel Wells joined Vista Insurance Group in 2020. He is a Tallahassee, FL transplant who now calls Columbia home. Prior to working at Vista, Daniel worked in manufacturing, personnel management, sales, and business development. This experience helped him understand the importance of client relationships and understanding their needs in particular situations. He has experience in Life and Disability Insurance and has gained a wealth of knowledge in this area of insurance since joining Vista. Daniel’s primary focus is to help small businesses with the daily headaches they face when it comes to life and retirement income services and property and casualty insurance. He finds out exactly what businesses need and help guide them on what all Vista can offer, even outside of your typical insurance policies.
Daniel Wells, Vista Insurance Group
Daniel Wells joined Vista Insurance Group in 2020. He is a Tallahassee, FL transplant who now calls Columbia home. Prior to working at Vista, Daniel worked in manufacturing, personnel management, sales, and business development. This experience helped him understand the importance of client relationships and understanding their needs in particular situations. He has experience in Life and Disability Insurance and has gained a wealth of knowledge in this area of insurance since joining Vista. Daniel’s primary focus is to help small businesses with the daily headaches they face when it comes to life and retirement income services and property and casualty insurance. He finds out exactly what businesses need and help guide them on what all Vista can offer, even outside of your typical insurance policies.
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5643 Harrisburg Industrial Park Dr.
Harrisburg, NC 28075
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Licensed Insurance Professional. Respond and learn how insurance and annuities can positively impact your retirement. This material has been provided by a licensed insurance professional for informational and educational purposes only and is not endorsed or affiliated with the Social Security Administration or any government agency. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice.
Licensed Insurance Professional. Respond and learn how insurance and annuities can positively impact your retirement. This material has been provided by a licensed insurance professional for informational and educational purposes only and is not endorsed or affiliated with the Social Security Administration or any government agency. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice.