Our Services
Insurance Services
With the right life insurance coverage, we can be confident knowing that our loved ones will be able to live out their dreams, no matter what the future holds.
We do everything we can for our loved ones, not because we have to, but because we want to. If you're looking for affordable life insurance coverage for a specific period of time, term life insurance may be right for you. Permanent life insurance offers many different options and you can find the right guarantees, flexibility and cash value options to fit your needs.
This benefit will pay off your mortgage in the event of an unexpected death.
Mortgage protection insurance provides a vital safety net for homeowners, ensuring that their mortgage is fully settled in the unfortunate event of an unexpected death. This benefit is a reassuring shield for families, relieving them of the financial burden that would otherwise linger amidst their grief. By covering the outstanding balance of the mortgage, this insurance grants peace of mind to loved ones, allowing them to focus on healing rather than worrying about impending financial obligations.
Click here to learn more about Mortgage Protection Insurance.
If you fall and break your arm, accident insurance could provide a one-time cash payment to help with co-pays you might incur for treatment.
If a broken arm meant that you could not work, you could file a claim for short-term disability benefits in order to begin receiving weekly replacement income. Although there is a distinct difference between the two types of coverage, they can certainly complement each other in the case of a covered injury.
Understanding and using your Medicare coverage can be a difficult process.
Often individuals are surprised to find that Medicare doesn’t cover certain services and may incur out-of-pocket expenses. This is one reason that consumers seek out Medicare Supplements, also known as Medigaps.
Available in all states, Medigaps provide coverage for some items that traditional Medicare (Part A and Part B) does not cover. This can include services and procedures, as well as certain out-of-pocket expenses. All Medigaps provide the same core benefits, but there may be variation policy to policy.
Critical Illness is an insurance product developed to help consumers cover expenses associated with critical illness.
This specialized insurance provides a lump-sum, tax-free payment should a policyholder suffer from certain specific critical conditions. Some 600,000 Americans now have this protection purchased on an individual basis or through a plan offered by their employer.
Accidental Life Insurance policies pay out if you pass away in an accident.
This unique coverage ensures that your loved ones are shielded from the unexpected financial ramifications of such tragic events. By offering a payout in the event of accidental death, this insurance provides a crucial layer of security, offering peace of mind knowing that your family's financial well-being is safeguarded, even amidst unforeseen circumstances.
With the right life insurance coverage, we can be confident knowing that our loved ones will be able to live out their dreams, no matter what the future holds.
We do everything we can for our loved ones, not because we have to, but because we want to. If you're looking for affordable life insurance coverage for a specific period of time, term life insurance may be right for you. Permanent life insurance offers many different options and you can find the right guarantees, flexibility and cash value options to fit your needs.
This benefit will pay off your mortgage in the event of an unexpected death.
Mortgage protection insurance provides a vital safety net for homeowners, ensuring that their mortgage is fully settled in the unfortunate event of an unexpected death. This benefit is a reassuring shield for families, relieving them of the financial burden that would otherwise linger amidst their grief. By covering the outstanding balance of the mortgage, this insurance grants peace of mind to loved ones, allowing them to focus on healing rather than worrying about impending financial obligations.
Click here to learn more about Mortgage Protection Insurance.
If you fall and break your arm, accident insurance could provide a one-time cash payment to help with co-pays you might incur for treatment.
If a broken arm meant that you could not work, you could file a claim for short-term disability benefits in order to begin receiving weekly replacement income. Although there is a distinct difference between the two types of coverage, they can certainly complement each other in the case of a covered injury.
Understanding and using your Medicare coverage can be a difficult process.
Often individuals are surprised to find that Medicare doesn’t cover certain services and may incur out-of-pocket expenses. This is one reason that consumers seek out Medicare Supplements, also known as Medigaps.
Available in all states, Medigaps provide coverage for some items that traditional Medicare (Part A and Part B) does not cover. This can include services and procedures, as well as certain out-of-pocket expenses. All Medigaps provide the same core benefits, but there may be variation policy to policy.
Critical Illness is an insurance product developed to help consumers cover expenses associated with critical illness.
This specialized insurance provides a lump-sum, tax-free payment should a policyholder suffer from certain specific critical conditions. Some 600,000 Americans now have this protection purchased on an individual basis or through a plan offered by their employer.
Accidental Life Insurance policies pay out if you pass away in an accident.
This unique coverage ensures that your loved ones are shielded from the unexpected financial ramifications of such tragic events. By offering a payout in the event of accidental death, this insurance provides a crucial layer of security, offering peace of mind knowing that your family's financial well-being is safeguarded, even amidst unforeseen circumstances.
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Retirement Services
We believe that life is more than a paycheck and our mission is to ease your worries and help you create a sound and stable financial strategy for your retirement.
As part of The Reaves Financial process, we'll help you create a retirement income plan that balances:
- Daily Living Expenses
- Budgeting for Luxuries & Quality of Life
- Planning your Social Security Benefits for Maximum Results (Social Security can add $1M to your retirement fund)
- Factoring in Pensions Withdrawal Strategies
- Factoring in both Expected & Unexpected Medical Expenses
- Planning for the Unexpected and the Inevitable
At Reaves Financial you will work with a team of specialists who will help you prepare and execute an estate plan that is right for you and your beneficiaries.
One overlooked aspect of estate planning, other than avoiding taxes, is the fact that Insurance documents and other contracts may supersede the wishes you lay out in your will. Making sure all your beneficiary forms are in order, that you are transferring your assets in the most tax efficient manner, and that you have a continuity plan in place to ensure that your loved ones are taken care of while your estate is making its way through the courts, are all vital pieces of your plan. Give you and your loved ones the peace of mind that comes with knowing that you have a sound financial plan that takes care of them when the time comes.
Reaves Financial also offers small business solutions.
Reaves Financial offers a wide menu of insurance and fringe benefits solutions for small businesses. Offering Benefits plans can attract and retain quality employees while ensuring you and your business partners have access to things normally offered by large corporations.
Risk management is a crucial aspect of financial planning that involves identifying, assessing, and mitigating potential threats to a client's financial health.
Financial advisors employ strategies such as diversification and asset allocation to minimize risks and stabilize returns. Diversification spreads investments across various asset classes, industries, and regions, reducing the impact of market volatility. Asset allocation tailors the investment mix to match the client's risk tolerance and financial goals. Regular monitoring and portfolio rebalancing ensure that the investment strategy remains aligned with the client's objectives amidst changing market conditions. Through these practices, financial advisors help clients achieve long-term financial stability and peace of mind.
With the right life insurance coverage, we can be confident knowing that our loved ones will be able to live out their dreams, no matter what the future holds.
We do everything we can for our loved ones, not because we have to, but because we want to. If you're looking for affordable life insurance coverage for a specific period of time, term life insurance may be right for you. Permanent life insurance offers many different options and you can find the right guarantees, flexibility and cash value options to fit your needs.
This benefit will pay off your mortgage in the event of an unexpected death.
Mortgage protection insurance provides a vital safety net for homeowners, ensuring that their mortgage is fully settled in the unfortunate event of an unexpected death. This benefit is a reassuring shield for families, relieving them of the financial burden that would otherwise linger amidst their grief. By covering the outstanding balance of the mortgage, this insurance grants peace of mind to loved ones, allowing them to focus on healing rather than worrying about impending financial obligations.
Click here to learn more about Mortgage Protection Insurance.
If you fall and break your arm, accident insurance could provide a one-time cash payment to help with co-pays you might incur for treatment.
If a broken arm meant that you could not work, you could file a claim for short-term disability benefits in order to begin receiving weekly replacement income. Although there is a distinct difference between the two types of coverage, they can certainly complement each other in the case of a covered injury.
Understanding and using your Medicare coverage can be a difficult process.
Often individuals are surprised to find that Medicare doesn’t cover certain services and may incur out-of-pocket expenses. This is one reason that consumers seek out Medicare Supplements, also known as Medigaps.
Available in all states, Medigaps provide coverage for some items that traditional Medicare (Part A and Part B) does not cover. This can include services and procedures, as well as certain out-of-pocket expenses. All Medigaps provide the same core benefits, but there may be variation policy to policy.
Critical Illness is an insurance product developed to help consumers cover expenses associated with critical illness.
This specialized insurance provides a lump-sum, tax-free payment should a policyholder suffer from certain specific critical conditions. Some 600,000 Americans now have this protection purchased on an individual basis or through a plan offered by their employer.
Accidental Life Insurance policies pay out if you pass away in an accident.
This unique coverage ensures that your loved ones are shielded from the unexpected financial ramifications of such tragic events. By offering a payout in the event of accidental death, this insurance provides a crucial layer of security, offering peace of mind knowing that your family's financial well-being is safeguarded, even amidst unforeseen circumstances.