Retirees
As a retiree, your concerns in life should be minimal provided you've planned and prepared for this phase in your life accordingly. Now should be the time to sit back, enjoy your family and watch your kids and grandkids grow and have families of their own.

Are you a retiree? If so, Gabor is prepared to help you. Get in touch with us today so that we can assist with solutions to guide you to enjoy some of the best years of your life.

Comprehensive Retirement Income Plan
Entering and experiencing retirement can be a bit overwhelming at first and creating and maintaining a comprehensive retirement income plan can help provide stability. Review your budget annually, monitor and investments, evaluate the categories of your insurance coverage, and keep your beneficiary designations up to date. Need some assistance? A Gabor advisor can provide guidance!

Call 800-330-6115 (toll free), 850-894-9611 (local) or email us today.

Social Security Strategy
Individuals can often make a few mistakes regarding their Social Security - underestimating the real value of Social Security, hurrying to collect but regretting reduced benefits, having a lack of understanding about unique benefits that couples can take advantage of, and more. With Gabor’s guidance, you can strengthen your Social Security strategy and help ensure you’re receiving the maximum amount of benefits available to you.

Guaranteed Income Streams
Being near or already in retirement, you have worked quite hard to secure various assets that are of considerable value. As the owner of those assets, you have the ability to convert them into reliable, consistent and guaranteed income streams. This can provide you with a stable source of revenue, thereby allowing you to continue to afford yourself and those you care about with the quality of life that you've become accustomed to. The ability for the insurance company to meet these obligations to policyholders are subject to sufficient capital, liquidity, cash flow and other resources of the insurance company.

Final Expense Life Insurance
This form of Life Insurance requires little to no underwriting - meaning almost anyone can qualify - and policies typically range from a few thousand dollars to a maximum of $50,000 (much less than a standard life insurance policy). These policies are only intended to cover your final expenses as opposed to ongoing living costs, college plans and retirement funding and they can help you and your survivors - who will have the benefit of avoiding the need to pay for your funeral, outstanding medical bills and any other debts.

3-6 Months of Savings Emergency Fund
Once you retire and the comfort of a steady paycheck fades away, it becomes increasingly important to ensure that you’re protected from sudden financial strains - repairing your roof, needing a new transmission for your car, etc. Contributing to an IRA, 403(b), 457, or other retirement savings plan while you were employed helped establish a financial cushion for your retirement, but having a little extra savings (three to six months-worth) that’s immediately available - should you need it - can help provide additional comfort.

Long Term Care Insurance
The reality of medical care is that it can be financially devastating. This is no secret and it has nothing to do with one's relative age. Accidents, severe illness, or memory loss can strike at any moment, therefore making it necessary to be prepared to undertake the financial burden associated with caring for those in need. Investing in long-term care helps to secure your financial independence in the event of the need to cover the medical obligations for your loved ones. It includes:

• A wide range of custodial care
  
• Medical and support services
  
• Assistance with Activities of Daily Living (ADL)
  
• Supervision of someone who is cognitively impaired