RETIREMENT PLANNING STRATEGIES

Planning Today for the New Tomorrow

(508) 642-1758

Financial Planning Solutions

Massachusetts / Rhode Island / Florida

In this rapidly changing, fluid economy, financial planning is no longer a tool of the "idle rich," but a necessity for all. Most responsible people today are interested in obtaining a high quality of life supported by financial security, but lack the time and technical knowledge to arrange their insurance, wills, trusts, and business affairs to fully achieve maximum flexibility with minimum taxation. 

Steven Hyland, CLU is well-qualified to coordinate the various aspects of these complex problems and can help you focus your financial objectives and prepare a program tailored to meet your specific requirements. He has various corporate affiliations and offers a complete staff of backup personnel to design a plan to meet any situation, regardless of the simplicity or complexity.

COVID-19 UPDATE: 

Due to the current health concerns regarding the COVID-19 virus, all interviews are being conducted according to CDC guidelines. 

SERVICES

Detailed Fact Finding

Develop and Prioritize Goals

Plan Design to Meet Those Goals

Implement Plan of Action

Review + Update of the Plan

 
 

LICENSES

MA License

1730290

(617) 521-7794

RI License

1047793

(401) 462-9520

FL License

P029048

(850) 413-3137

BENEFITS

Retirement Planning Annuities
  • Protection from stock market downturns

  • Annual and bi-annual resets to "lock-in" gains and adjust basis for future gains

  • Utilization of "laddering" concept to maximize both returns and access to your funds

  • Maximization of assets to provide income to support your future

  • Protection from nursing home expenses

  • Passing assets to heirs and beneficiaries as efficiently as possible 

Insured Retirement Plans

  • Your plan accumulates cash values on a tax-deferred basis

  • Your heirs and beneficiaries are immediately protected by an income-tax free death benefit should you suffer a premature death

  • Access funds prior to age 59.5 with no IRS penalties

  • Allow funds to continue to accumulate beyond age 72 with no IRS penalties

  • Upon retirement, access accumulated cash through Tax-Free Withdrawals and Policy Loans to supplement other sources of retirement income

You and Your Family

  • Family Protection

  • Disability Income Protection

  • Life Insurance

  • IRAs - Traditional, Roth, & Education

  • Mortgage Death & Disability Protection

You and Your Business

  • Buy/Sell Agreement

  • Stock Redemption

Pension Maximization

  • A system of retirement plan analysis which targets the highest possible monthly income available through your individual pension

 

ABOUT

Steven P. Hyland, CLU is a lifelong resident of Swansea, MA where he lives with his wife, Linda. They have 3 adult children and 5 grandchildren all living locally. He winters in Madeira Beach, FL and is an avid boater and golfer. He entered the business soon after he received his Bachelor of Science Degree in Business Management from Southeastern Massachusetts University in 1980 (now UMass Dartmouth), and recently celebrated his 40th anniversary in the business. 

Since his inception in the business, Mr. Hyland's career as a professional within the financial industry has proven to be a very successful one. He is a Charter Life Underwriter (CLU), a certification awarded to persons who successfully complete a formal program of study and who meet strict ethical and experience requirements. He has won numerous industry and individual awards. 

Due to the volatility in the stock market, Mr. Hyland uses numerous forms of annuity programs tailored to the individual needs of his clients. This provides fair market rates of return without risking loss of principal. These programs can provide both current or future income. Mr. Hyland will introduce you to many ideas to help you organize your finances to maximize both your accumulation and income, and show you ways to pass along as much wealth as possible to your heirs. 

WHAT WE UTILIZE

  • No downside risk

  • Equity index linked crediting methods

  • No transfer fee

  • Access to your money

  • IRA, Roth IRA or non-qualified plans

OR

  • Traditional fixed (guaranteed) rates (bonus interest on some contracts)

  • AIG

  • Allianz

  • American General

  • Americo Financial Life

  • Athene

  • Equitable

  • EquiTrust

  • F&G Life

  • Fidelity Investments - through MNL

  • Foresters

  • ING

  • Investors Heritage

  • Midland National Life

  • Mutual of Omaha

  • Nacohlah

  • National Life Group

  • Occidental Life

  • Ohio National Life

  • Pacific Life

  • Penn Mutual

  • Reliastar

  • Transamerica

  • Voya

CORPORATE AFFILIATIONS

 
 

CONTACT

Inquiries

Swansea, MA

Fax: (508) 672-2702

Madeira Beach, FL

Fax: (727) 220-1017

Connect with me: 

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For any inquiries or questions, call (508) 642-1758 or email shyland763@gmail.com