Welcome to Sapphire Retirement, LLC—your partner in securing a stable and fulfilling future. As an independent insurance agency, we’re dedicated to safeguarding what matters most to you through personalized financial and protection solutions. We specialize in helping individuals and businesses achieve peace of mind by providing access to comprehensive insurance products and retirement planning. Whether it’s growing your wealth with indexed annuities, ensuring your family’s security with life and health insurance, supporting your team with employee benefits, or guiding you through 401K rollovers, Sapphire Retirement, LLC is here to provide expertise tailored to your unique goals. Let us help you build a solid foundation for your future.
Protecting your retirement savings is essential, which is why we focus on solutions that safeguard your principal while enabling growth—even in unpredictable markets. Whether you’re planning for retirement, seeking dependable health coverage, or enhancing employee benefits, our dedicated team is here to guide you through your options and help secure a stable financial future.
Explore how Sapphire Retirement, LLC can empower you on your journey to a secure and prosperous retirement!
Our Areas of Expertise:
Health Insurance
We provide health insurance coverage for both individuals and families as well as employer group health coverage. ACA, also known as Obamacare or marketplace coverage, ICHRA and short term health plans are also available.
Life & Long Term Care Insurance
Let’s review your current coverage and determine your specific goals. We offer term, whole life, indexed universal life (IUL), final expense (burial insurance), mortgage protection and Long Term Care (LTC) insurance.
Indexed Annuities
Indexed Annuities play a crucial role in retirement planning. These misunderstood insurance products protect your principal from market risk, allows you to participate in market gains, money grows tax deferred and can provide guaranteed income for life!
401k & 403b Rollovers
You’ve left your job and now you need to figure what to do with your money in your former company’s retirement plan. Now what? We will help you sort though your options depending on your age, state and future goals.
Employee Benefits
We customize the Employee Benefits package that best meets your company’s needs. Services include health, vision, dental, disability, accident, cancer, hospital indemnity, life, pet insurance, legal plan, identity theft plan and Homebuying Benefit.
401K Plans
We offer company retirement plans for the self-employed and small businesses. Reviews of existing plans are critical to your business. We work with several companies in most 403B plans. We can also customize a retirement savings plan for 1099 employees.
Legal Plans
LegalShield offers affordable month to month family legal plans covering legal access, traffic violation assistance, will preparation and much more. Business plans include legal access, debt collection letters, advice & consultation, contract review and more. Click Here to learn more.
Identity
Theft Plans
ID Shield offers Identity Theft Protection for the individual or family. Coverage includes consultation, monitoring and alerts including online privacy and social media reputation. Full Service restoration is included up to $3M fraud protection plan. Click here to learn more.
Benefits of Fixed Indexed Annuities (FIA)
- Principal protection w/o risk of loss
- I can participate in the market upswings without the downside risk
- Not affected by market ups & downs
- NO broker fees
- Money can grow tax-deferred
- Able to get GUARANTEED income for life
- Removes the worry that I might outlive my money
- Ability to pass unused money on to my heirs
- I can access my money to withdraw penalty free up to 10% per year
- NO health underwriting
Benefits of Indexed Universal Life (IUL)
An Indexed Universal Life (IUL) policy is a valuable addition to any portfolio due to its versatile benefits. This type of permanent life insurance offers a death benefit for your loved ones, ensuring their financial security if you pass away prematurely. Additionally, it includes living benefits to support you if unexpected health challenges arise and provides a lifetime income stream, ensuring you won’t outlive your retirement funds.
- Provides a death benefit to beneficiaries upon your passing, which can help provide financial security for your loved ones.
- Cash Value grows tax-deferred based on the performance of the market indexes but without direct exposure to the market volatility
- Allows Income for Life so that you cannot outlive your money
- Includes Living Benefits – Chronic Illness Rider, Critical Illness Rider & Terminal Illness Rider
- Flexibility in Premium Payments
- No direct stock market risk
- Great tool for long term wealth accumulation
Portfolio Assessment: Is Your Retirement Portfolio
Optimized to Last Your Entire Retirement?
Your retirement nest egg must sustain both you and your spouse throughout retirement. Ensuring your portfolio is diversified is essential, allowing your hard-earned money to grow and remain available when you need it most.
Consider asking yourself these important questions about your retirement portfolio:
- How much am I OK losing in the market? All, some or none?
- What % of my portfolio is at risk of loss? What % is safe?
- How much Guaranteed Income for Life do I have?
- Do I have time to recover from market losses?
- How does the loss of one of our SS payments impact us if one of us dies?
- Do I want my money safe?
- Do I like the idea of guaranteed income for life?
- How much will our retirement monthly expenses be?
- How much am I GUARANTEED monthly in retirement?
- Is Long Term Care included?
- Have I included Indexed annuities when diversifying ?
- Does my Advisor ask me these questions? Why not?
