Planning For the Unexpected and the Inevitable

Let’s face it.  Bad things happen.  The best we can do is plan and prepare ahead of time for when they do.


Our mission is to assist you in protecting your assets from sudden market volatility as well as unexpected health issues. It is our belief that in order to be financially secure, you need to know that you’re financially prepared no matter what happens. At Milestone Wealth Management we’ll work with you to help protect and ensure your financial future from the unexpected and the inevitable. We’ll also assist in making certain that you have funds available in the event of an emergency and that a sudden hospitalization won’t cripple your retirement fund.


Life Insurance


Life Insurance can be the foundation of your financial security and can help you leave a lasting legacy. Because your needs are different from everyone else’s, we can advise on a broad range of life insurance solutions to help provide financial protection.


Life Insurance also offers financial protection for your beneficiaries when you are deceased. Some policies accumulate cash value on a tax-advantaged basis, offering a living benefit that can be used for supplemental retirement income, funding for a child’s education, or cash for emergencies.


Disability Insurance


Disability insurance protects your earned income. If you rely on your salary to pay the mortgage, put food on the table, and pay other household bills, disability insurance will protect your income if you get too sick or hurt to work. For example, it would pay if you were battling cancer, had a heart attack, stroke, or some other major illness that kept you from working and earning an income.


If you already have enough assets saved, this type of coverage may be unnecessary. As part of the financial planning process, we can help determine whether this is an important insurance coverage for you or not.


Long-Term Care Insurance


Long-term care refers to the help people can receive when dealing with chronic illnesses, disabilities or other conditions that inhibit the ability to perform basic activities for an extended period of time. The type of help needed can range from assistance with simple activities such as bathing, dressing, and eating, to skilled care that’s provided by nurses, therapists or other professionals.


Employer-based health insurance coverage will not pay for daily extended care services. Plus, Medicare will only cover a short stay in a nursing home or a limited amount of at-home care, but only under very strict conditions. The costs of long-term care can be very expensive and devastating especially to retired individuals living on a fixed income.