Financial Planning Services
For many, planning for retirement feels overwhelming, especially when there’s no clear guidance for them to follow. Many individuals reach a point where they need more than general advice; they need a strategy that protects what they’ve built while helping them feel assurance about the future.
Matador Insurance offers a high-touch approach to financial planning, helping clients protect their assets and create a path toward a retirement that matches their vision for their financial future.
What Financial Planning Means For You
Financial planning is about creating a clear roadmap that connects your current financial picture with your long-term objectives. Instead of piecing together decisions one at a time, a well-structured plan brings everything into focus, making retirement choices much easier to understand.
With the right process in place, pre-retirees can approach each stage of the process with complete confidence, knowing that income, investments, and legacy goals are all working together.
Estate & Legacy Planning
Preserve what you’ve built and direct it with intention. We align beneficiary designations, policy ownership, and annuity options with your will or trust, design strategies for estate liquidity, and consider charitable or survivorship coverage where it fits.
Our advisors coordinate with your attorney and CPA so documents, accounts, and insurance move together and reflect your wishes.
Inheritance Tax Planning
Reduce transfer taxes and keep inheritances on course. We review beneficiary designations, titling, policy ownership, and trust options such as irrevocable life insurance trusts (ILITs), then model how tax rules, step-ups, and charitable gifts affect outcomes.
Matador’s advisors coordinate with tax professionals to balance liquidity and costs so more of your legacy reaches the people and causes you choose.
Retirement Income Planning
Turn savings into durable income that supports your lifestyle. We organize accounts, clarify spending needs, and test annuity, MYGA, and fixed index options alongside Social Security and investments.
Withdrawals, RMDs, and survivor benefits are mapped into a sequence you can follow. Your plan prioritizes reliability, tax awareness, and flexibility, with annual reviews to keep everything current.
Social Security Planning
Choose a filing strategy that supports your broader plan. We compare claiming ages, spousal and survivor benefits, earnings limits, and tax impacts, then coordinate timing with annuity income, pensions, and withdrawals.
You receive clear scenarios that show trade-offs in monthly income and lifetime value, so your Social Security decision works with the rest of your retirement.
A Team-Based, White-Glove Approach
Matador takes a collaborative approach, combining the expertise of a dedicated team with the personalized attention of a boutique firm. Each client receives strategies built for their distinct circumstances, rather than a one-size-fits-all template.
Education remains at the core of every interaction, giving clients the clarity to make informed decisions while building trust through transparent communication. The process feels concierge-level from start to finish, with every detail addressed carefully.
Benefits Of Comprehensive Financial Planning
Thorough and strategic planning brings numerous benefits to the table, particularly for those who are on the verge of retiring. Some of the most significant benefits that result from this include:
Once you’ve reviewed your estimate, schedule time with a Matador advisor to take the next step. A professional review helps confirm eligibility, explains how the process works as a whole, and connects you with trusted institutional buyers.
- Matching your income streams in retirement to the standard of living you aim to preserve.
- Identifying vulnerabilities or shortcomings that could interfere with maintaining financial security.
- Lowering tax liabilities by implementing proactive strategies that minimize unnecessary exposure.
- Coordinating investments, insurance, and estate arrangements to work together seamlessly.
Turn Goals Into An Actionable Plan
Meet with a licensed advisor to align investments, annuities, insurance, and Social Security timing. You’ll leave with written steps and a timeline that fits your life.