Services

Investing can feel like a journey into the unknown

You never know when the markets will slide out from under you, taking your hard-earned savings with them. With a prudent path for growing your wealth and securing your retirement income, we can help your retirement be what it should be.

Retirement

Will your retirement savings still cover your anticipated retirement expenses? Have you accounted for spousal benefit needs? Although you may be able to expect your defined benefit retirement plan to last as long as you live, your plan income may average only a percentage of your final salary. Additionally, your benefits may not meet all your retirement living expenses or cover emergencies. We provide the resources, guidance, and solutions you need to plan your retirement. Whether just starting out or enjoying tenure, we have the tools to help you succeed.

Insurance

By focusing on your whole family, we can help you protect your loved ones with death benefits or surviving spouse benefits as part of your overall retirement financial plan. We can help you to provide security for you and your loved ones through a variety of insurance offerings including: Life insurance, Indexed Annuities, Mortgage Insurance, Disability insurance, Critical illness insurance, Long term care insurance.

Financial Planning

Financial planning is an ongoing process that will reduce your stress about money, support your current needs and help you build a nest egg for your long-term goals, like retirement. Retirement planning can be confusing with so many options available. Our licensed agents and financial advisors have the knowledge and experience you need to answer your questions and provide a personalized analysis. With your best interests our top priority, Alto Financial Group’s professional will help you plan and invest for a retirement designed for success.

Employee & Workplace Benefits

We never know what life will throw our way. But employees can prepare for the unexpected with employee benefits like disability, life, and supplemental health insurance solutions that can work together to help provide them with the financial protection they need.

FAQ'S

What are the biggest financial mistakes people make when it comes to retirement?

Many people don’t begin saving early enough. Even when they start saving early, they often make the mistake of not putting money away consistently.

How do I get started?

You will want to make sure that you’re working with a firm that puts your needs first and that has the specialized knowledge needed to address your needs as a public sector employee. Many people may think they can’t afford to invest in retirement. We specialize in showing people where they can find that money and use it to build toward their retirement goals.

What is the number one thing that can derail retirement?

Many times it’s a catastrophic incident. We have solutions for that. Consider a situation where a person is diagnosed with a chronic illness or critical injury. Maybe it’s terminal. Life insurance with living benefits may be what you’ll need should such an unfortunate situation arise. In the event that a person becomes ill or injured, the living benefit will pay for those needs. Your retirement savings will remain intact.

How do I know if I have enough Life Insurance? How do I know if it’s the right kind?

We work with our clients to understand their situation and customize their insurance to their needs. As a full-service financial firm, we look at the big picture and make sure our clients are putting money in the right places for their goals.

How do I know when I can retire?

Our experienced agents and advisors will work with you to lay out a plan based on your needs so you’ll have peace of mind and understanding of when is the best time for you to retire.