McAllister Professional Planning, LLC
Jim McAllister CLTC
Experience • Compassion • Integrity
of the wind, but I can
help you adjust your sails.
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each topic.
Take a "time out" from life and plan for the unthinkable: loss of income, needing care in your later years, setting up a trust for your special needs child...death. If you don't have the appropriate planning to cover these events...it's time to talk with Jim McAllister. (Go back to the top.)
Planning your financial future can be complicated, as your set of circumstances are unique, it's important that you have the help of a trained and experienced professional. The best way to achieve your financial goals is to align your current financial picture with your future financial goals. Let's sit down and identify your goals, objectives, assets and liabilities, and compare what you have to what you want. I will use my years of experience and work with you to define your vision of a secure financial future, focus on providing you with customized recommendations and solutions in line with that vision, and work towards achieving results. (Go back to the top.)
Long-Term Care Insurance
If you needed care as you get older where would the money come from to pay for care in your home or in a nursing home? Long-Term Care Insurance protects your assets from the expenses of long-term home health care or nursing home costs, allowing you to maintain your dignity and way of life as long as possible. It's about you needing care, but it's also about your family not having to be caregivers.
Approaching retirement (55-65)? Let's talk about long-term care insurance. (In some cases, premiums can be deductible.)
Estate Planning
Estate planning is coordinating all the assets in your estate to reduce your exposure to estate taxes and to be sure that your assets are dispersed in the manner you wish. We will work with your advisors to be sure your policies and other assets are coordinated to achieve your desired goals. (Go back to the top.)
If your paycheck stopped because of a disability, how would you pay your monthly personal bills or the ongoing operating expenses at work?
A disability could suspend or terminate your income for an extended period of time, interrupting the accumulation of your retirement benefits. It may force you to close your business or sell it prematurely at a reduced value. Disability Insurance covers office expenses as well as personal income replacement. With my expertise in disability insurance, I am able to recommend disability insurance products. (Go back to the top.)
Business Succession Planning
Are you in a business partnership as an owner or shareholder? If you passed on how would your partner pay your spouse? What's the value of your business, and how much is each owner's share worth? Business Succession can provide funding to insure there is cash available to fund your Buy/Sell Agreement. I can also customize Owner/Employee Planning for important people in your company whose absence would hurt your business OR coverage to help keep an employee by providing life or disability coverage as a benefit.
Do you own your own business? What will happen to your business when you retire, become permanently disabled or die? Because I specialize in business continuation, I can help you answer these and other questions. Together we can develop a funding strategy to help protect your business, should something unforeseen happen down the road.
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Who will care for your special needs family member if you can't?
Families with a special needs dependent, whether it's a sibling, child or spouse, need to be sure they have made provisions for that person's care. My understanding of both State and Federal Programs will help to make our discussion of a special needs trust easier to understand. (Go back to the top.)
Personal Planning
Personal Planning coordinates your personal assets into a plan to accomplish your goals. Insurance is more than just "Insurance" to protect your income. It is a way to protect your wealth and estate. (Go back to the top.)
I am endorsed by the Maine Medical Association as a Disability Preferred Provider.
I am endorsed by the Exeter Area Chamber of Commerce for a Member Disability Discount Program.
I am licensed to sell Insurance products in ME, NH and other states.
Your health, occupation, smoker/non-smoker status and other variables determine which company we use to best fit your needs. Insurance eligibility and premiums are subject to underwriting.
Call or email me to find out how affordable coverage can be. (Go back to the top.)
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Working together towards a sound financial future.
Jim McAllister CLTC • Phone: 603-679-1366 • Cell: 207-232-1590 • Email: jim@profplanllc.com
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