Life comes with risks, and an unforeseen adverse life event can destroy the best laid financial plan. We will help you take a look at all your risks, from market risk, to the risk of loss of life and income to your family or business, to potential incapacity requiring long-term care. At Creutzer Financial Services, we will do an insurance risk analysis, identifying risks and finding solutions to transfer that risk away from you and over to insurance companies in order to protect you. Insurance companies were established to cover risks, and have been relied on for hundreds of years during times of need.
Our Services
Insurance Risk Analysis
Life Insurance Needs Analysis
As part of our life insurance needs analysis, we can help you discover whether today’s policy designs can provide important coverage and protection possibilities you were not aware of. Insurance companies have evolved greatly in the last 20 years, and now offer products specifically designed for various consumer segments, like retirees, business owners, and people who want permanent policies with an immediate death benefit plus tax-advantaged cash value growth potential.
Creutzer Financial Services can also help you examine policies you already own, to see if a 1035 policy exchange might garner you additional benefits. Contact us today to get started.
Fixed Annuities are long term insurance contracts & there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate & some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees & features & may cap participation or returns in significant ways. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks & how the variables are calculated. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income & if taken prior to 59½, a 10% federal tax penalty.
Services We Offer
Do you have a clear, understandable plan to achieve your financial and retirement goals? Or do you just have a 401(k) or TSP and a bunch of investments in various places trying to “make money?” Recognizing the financial challenges faced today by individuals and families, business owners, pre-retirees, and federal employees, Creutzer Financial Services works with clients throughout America to help you preserve your hard-earned retirement assets in today’s volatile market conditions, and help you enjoy the fruits of your working years after you retire. Ask us for your personal plan, which may include some of these services.
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The Creutzer Team
Serving business owners and families throughout Maryland and the surrounding United States
(410) 879-3888
Individuals & Families
Business Owners
Pre-Retirees & Retirees
Federal Employees
Who We Serve
Our goal is for you is to feel confident, not to worry about your money. We work with each client to create a personal plan that includes long-term savings concepts, tax management & preservation of wealth through our focus on practical, goals-driven financial strategies. At Creutzer Financial, preserving wealth & avoiding unnecessary risk with retirement assets have been our core beliefs and philosophy since we opened our doors. To date, our efforts have helped protect hundreds of families from over-taxation and loss of wealth.