Ready to Start Planning?

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Comprehensive Retirement Planning

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Social Security Maximization

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Wills and Trusts in Your Planning

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Financial Existence after Loss or Divorce

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Ready to Start Planning?

Ready to Start Planning?

More than likely, you have been working hard putting money aside for retirement for many years, which is why preserving your savings is our top priority. Our Retirement Strategies are designed to preserve your nest egg from an up and down market.

We also believe preparing for retirement goes beyond your finances. As a HAS Wealth Management and Insurance Solutions client, you’ll receive a comprehensive retirement plan that includes advice about matters like estate and family legacy planning, Social Security, Medicare, and income tax planning to help you maintain your lifestyle after retirement.

Now that you are approaching or are in retirement, it’s time to think about how you’ll build a retirement income from your investments.

Purely “riding the market” can be risky for investors over 50 for a couple of reasons. You not only have less time to wait for assets to increase if there is a decline, but if you are taking money from your accounts for income, you are taking away from your capital. For example: If you’ve been withdrawing 3% and your money drops by half, you’d have to take out 6% to cover the same costs. That’s a heavy burden for your investments to carry. Which is why preserving your savings, so you have financial confidence in retirement, is our top priority.

We have several retirement strategies that can help preserve your nest egg from market declines. They are designed to enable us to participate in the stock market while it is going up, and to get out when the market trends downward. It’s one of the ways we help to mitigate risk.

Comprehensive Retirement Planning

Comprehensive Retirement Planning

You deserve the best retirement possible, and we can help you achieve that with our retirement planning services. At HAS Wealth Management and Insurance Solutions, we offer a complete approach to financial and retirement planning that goes beyond managing your investments.

Meeting with one of our advisors will help you to:

  • Define your retirement goals, including wants and needs. How much money do you need in retirement to achieve them? How will you obtain the income to continue your lifestyle? We can customize a plan for you!
  • Make the decision on how and when to collect Social Security. The wrong decision could cost you thousands of dollars in benefits. We can help you make the right choices!
  • Understand Estate Planning and inheritances. From ensuring your estate is in proper order to determining the best way to manage an inheritance, we work in conjunction with your tax and estate professionals.
  • Plan for Medicare and insurance needs. Medicare and insurance including long-term care are important to your retirement plan. Our Financial Advisors are also Licensed Insurance Brokers who are extremely knowledgeable of Medicare, Medicare Advantage Plans, Medicare Supplements, etc. We can help you choose which type of plan best fits your situation.
  • Plan your financial needs after the loss of a loved one or divorce. You don’t need the added stress of navigating the financial issues alone while dealing with some of the hardest times in life. We will help you in every way we can.
  • Plan for Income tax. Income tax can be one of the biggest expenses you will face in retirement. We can help you to plan and be prepared for tax season.

Because we specialize in retirement planning. We can provide:

  • An evaluation of your income requirements.
  • Creation and execution of a comprehensive retirement plan.
  • An overall analysis of your specific financial situation.
  • Recommendations regarding employer-sponsored retirement plans like IRAs and 401(k)s.
  • Regular market updates.
Social Security

Social Security

Getting the best of Social Security

Considering the Social Security retirement benefit in your retirement plan would be best. It's a valuable source of income that provides an annual increase.

Consider the following options.

  • Your health, life span, income sources, and if you plan to have a part-time job after you retire.
  • If you are married, you will also need to consider your spouse's health, life span, and if they will continue working or reduce their hours.
  • Check other income options, like Pension, 401K, IRAs, Investments, or part-time income. You will also need to consider your taxes.

Coordinating spousal benefits will help increase your social security retirement benefits now and for when one of you has departed. We also recommend considering how required minimum distributions, work income, and other factors could affect your income and your taxes.

Taking the Step

It’s essential to create a plan specifically for social security. The timing when you receive Social Security can make a difference in your pocket, sometimes by hundreds of thousands of dollars over your lifetime. Because knowing when the optimal time for you to apply is vital because there are rules about changing your mind after submitting your claim.

Getting started with Social Security

  1. Use the Social Security Administration’s Retirement Age calculator to determine your full retirement age.
  2. Log into and create a My Social Security account. There you will be able to see your estimated future benefit.
  3. Determine if special rules like the Windfall Elimination Provision (WEP) and Government Pension Offset (GOP) apply to you.

We will Assist You with Your Social Security Plan

Determining when and how to apply for Social Security can sometimes take time and effort. At HAS Wealth Management and Insurance Solutions, we are here for you. Let us help you maximize your benefits and coordinate your personalized plan. Find out with a quick calculation when your best time to start Social Security is here at

At HAS Wealth Management and Insurance Solutions, we will help you understand and determine if you are financially ready to retire. We will help you take the next step.

Wills and Trusts in Your Planning

Wills and Trusts in Your Planning

Most people believe Wills and Trusts only leave money to your beneficiaries. However, when put in place, they can ensure your wishes are followed. It can also save your family from a lot of administration. Above all, it can help you take care of your family after you’re gone.

They also play a vital role in your retirement and estate planning. They have different benefits and how you apply them may vary depending on your position. Now is the time to study all your options with regards to wills and trusts and how they could affect your family’s finances as well as your retirement savings.

How are Wills and Trusts different?

Both wills and trusts allow you to name beneficiaries for your assets, but there are a few key differences to be aware of



A Will, also known as a Last Will and Testament, is a legally prepared and bound document that states your intentions for the distribution of your assets and wealth after your death. It is private until after death, it then becomes a public document.

A will can be used to:

  • Appoint and outline powers of an Executor and/or Trustee.
  • Appoint a guardian for minor children.
  • Specify funeral wishes.
  • Determine who will manage your estate.
  • Decide who gets your assets and property — and who does not.
  • Provide a home for your pets.

A will does not cover property held in joint contract or in a trust.

A will has to pass through probate and takes effect at the time of your death.



In general, a trust is a legal relationship in which one person holds title to property, subject to an obligation to keep or use the property for the benefit of another.

A Trust can:

  • Save on taxes.
  • Protect you from court proceedings.
  • Protect beneficiaries – A trust can provide beneficiaries protection from lawsuits, creditors, or divorce.

A trust doesn’t include everything you own, only covers property that has been put in the name of the trust.

A trust takes effect at the time of creation and does not need to pass through probate.

Which Is Necessary a Will, a Trust, or Both?

Most people need a will, including those who have trusts. But there are different types of wills and trusts. You may be asking what is the best choice for you and your family? We have the answers!

We can assist you with decisions regarding wills and trusts. Because HAS Wealth Management and Insurance Solutions specializes in retirement, we can guide you through the steps of retirement and estate planning, including:

  • Adding or changing beneficiaries on your retirement plans, life insurance, and financial accounts
  • Making sure your accounts are accessible to your successors.
  • Preparing for changes due to aging
  • Creating spending plans for your family
Financial Existence after Loss or Divorce

Financial Existence after Loss or Divorce

At HAS Wealth Management and Insurance Solutions, we understand that while going through the loss of a family member or a divorce, handling financial responsibilities like changes to your benefits or will are probably the last things you want to sort out.

However, some decisions do need to be made without delay to care for you and your retirement plans. These changes in your life could affect your:

  • Social Security benefits
  • Taxes
  • Income and expenses
  • Retirement plans and beneficiaries
  • Estate plans, Wills, and Trusts

Essentially, you’ll have to reconsider many of the same questions and decisions you made when initially created your retirement plans.

Have you thought about your Social Security Survivor Benefits?

Social Security survivor benefits begin from the time you apply so it is recommended to do so in the month of the death, or within six months. However, depending on certain factors such as your job, age, etc. you may not need to file at all.

It is more than common that widows and widowers receive the benefit, however, there are instances where other family members can collect. This could include minor or disabled children, parents 62 or older who are dependents, and in some situations the surviving divorced spouse.

At HAS Wealth Management and Insurance Solutions we can walk you through your Social Security and financial decisions so that you and your family can focus on healing after the loss of a loved one.

Divorce Affects Retirement and Your Savings.

Research shows the divorce rate among U.S. adults ages 50 and older has roughly doubled since the 1990s — and the divorce rate for those over 65 has nearly tripled.

When divorce happens later in life, especially after many years of marriage, it affects people differently in many ways. There are usually more assets and debt to be considered and reconciled, and now less income. There are also fewer years of employment in which to save for retirement.

These are difficult times in life and HAS Wealth Management and Insurance Solutions is here to help you navigate through the financial impacts of these events.