Retirement Is Reachable With Guaranteed Lifetime Income

  • By William Bryant
  • 14 Mar, 2017

No Matter Where You Are In Life

Help Is Here.

As an insurance broker, J. Elvin Dashiell reasoned that as the baby boomer generation neared retirement age, there would be a growing need for assistance with Medicare and other retirement age resources. Eventually, S2S Silver Services was born.

A Financial Plan You Can Trust.

In the modern, post bailout economy, J. Elvin found a large population of people either approaching retirement age or old enough to have retired already who were still in the workforce. They didn’t have the income for a safe retirement. With savings accounts offering near zero gains, and Social Security failing to keep up with cost increases, many families were searching for a financial plan they could trust. That’s where J. Elvin and  S2S Silver Services  came in.

Guaranteed Lifetime Income

The era of retiring with a pension and worry free Medicare is officially over. These days, J. Elvin explains to his clients that retirement is a three legged stool. It depends on a blend of Social Security,   Medicare , and lifetime income. And, as more than half of current retirees are running out of money faster than they planned, time is of the essence to invest in an income resource.

Insurance companies have responded to this need with guaranteed lifetime income plans. These products offer surprisingly generous returns (4.5-7 percent compounded growth as opposed to fractions of a percentage elsewhere). They are backed by some of the nation’s most respected insurance brands.

One client came to J. Elvin with a modest $100,000 saved up to last the rest of her life. He turned it into more than $11,000 of guaranteed income after 10 years. Add that to Social Security, and the financial gap for a household disappears. It made comfortable retirement a real possibility. “These opportunities are not offered by the big banks. So many people remain unaware of this potential’ J. Elvin remarks. ‘I get great satisfaction from watching a client secure their financial future with a little help from me.”

S2S Is The Answer.

As if financial concerns weren’t enough for his clients, S2S Silver Services also came along at a time when healthcare was about to go through a dramatic and rapidly changing time. “As a result of the Affordable Care Act, there have been many recent changes in company health plans,’ J. Elvin notes. ‘The trend is for some companies to drop spouses from their health plans, and many small companies are terminating their health plans entirely. Often, those companies refer their employees to me.”

With all of the above mentioned concerns, contact J. Elvin at S2S Silver Services. Let him look at your retirement planning thus far. Guaranteed lifetime income plans are a win for everyone. Even if you haven’t begun to plan, let him help you get started so that your retirement is reachable and comfortable.

By Jen Steever 06 Sep, 2017
Last month, we addressed a question about the best Medicare Insurance options. We discussed what options folks who are employed by the military, state and local government, or private employers, should explore and plan for.

We will now tackle the options available to the majority of us who retire and go on Medicare. Unlike the folks we discussed last month, when you retire and no longer have commercial health insurance options, it is highly recommended that you get both Part A and Part B of Medicare. Part A has no continuing cost associated with it as it is paid for over the course of our entire working career through payroll deductions. Part B currently costs approximately $105 and is deducted from your Social Security or disability benefits every month.
By Jen Steever 17 Aug, 2017
That is very difficult to answer in the limited space of this blog, so we may continue it in others so that we get these answers just right by answering very carefully. First, not knowing your personal situation, we will explain the different options available for various individuals.
By Jen Steever 15 Aug, 2017

No one likes to think that their health could fail at any point, or that it will likely decline as you age. But it is important to keep these thoughts in mind, especially since the average 65-year-old American has a 70% chance of needing long-term care services in their lifetime.

When you take into consideration that the average medical expenses of a 65-year-old couple can total around $218,000 over 20 years, it's clear why so many people choose to invest in long-term care insurance. For the same reasons, Medicare supplement plans could be a huge money saver in the post-retirement years to come.

If you are wondering whether long-term care insurance is the right financial decision for you, then keep reading to learn more.


By Jen Steever 27 Jul, 2017
The number of senior citizens is expected to grow from the current 40 million to 90 million in 2050. This will lead to an increased demand for healthcare services, housing, and -- more than likely -- financial planning services . To make matters even more complicated, a 2015 Gallup poll found that 37% of Americans won't retire until after the age of 65. Whether it's due to personal preference or because they simply cannot afford to retire until much later in life, seniors need to understand that the decision to keep working will impact their financial planning options. That's why it's so important for you to explore the types of financial services available to you now to help you prepare for this type of situation. But if you haven't yet seen a financial planner, you should be aware of how your delayed retirement can affect your financial options.
By Jen Steever 07 Jul, 2017
from J. Elvin Dashiell and the Senior Information Corner
By Jen Steever 23 Jun, 2017

I have received so many questions over the years regarding the safety of certain investments so I would like to share with you about "safe" and "no risk" investments. I would like to define what those terms mean and how they apply to financial planning. Customers often believe investment choices are supposed to become more conservative and less risky as they approach retirement. They don't always know how to evaluate an investment's risk.

By Jen Steever 14 Jun, 2017
Approximately 45 million people are enrolled in Medicare due to their age, so if you're a senior over the age of 65, you're probably at least a little familiar with what these plans can offer. While original Medicare can provide coverage for vital services, these policies often don't cover every expense. That's why Medicare supplement policies are so popular: they can help bridge these gaps. But because there are so many Medicare supplement plan options to choose from, it's easy to become overwhelmed and confused. Below, we've explained these supplemental plans in a bit more detail.
By Jen Steever 07 Jun, 2017

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By William Bryant 05 May, 2017

Recently, I received a question from an anxious potential customer who was about to turn 65. Her greatest concern was the confusion about all of the decisions that she needed to make with respect to Medicare. She asked me to simplify that process for her. From Medicare Advantage plans, Medicare Part D prescription drug plans , to Medicare Supplement plans (Medigap plans), Medicare IS confusing! As a matter of fact, the primary statement that I hear from people who are going on Medicare is, “I have never experienced anything as confusing as Medicare.” I am communicating this in a blog in an attempt to reassure seniors that they are not alone in their frustration. Let me try to explain why the information might be confusing.

First, you have several printed materials from the government. The way the material is written, the information often seems to contradict what you read in other publications. Secondly, you may have well-meaning family or friends who provide their own understanding about how Medicare works. Lastly, you receive stacks of mail and materials from many different insurance companies all stating that their plans are better, cheaper, or both.

By William Bryant 21 Apr, 2017

No matter your age, health insurance plans can be confusing. But if you're a senior over the age of 65, it becomes increasingly important for you to make the right choices with your healthcare. By the year  2030, Medicare enrollment  is expected to rise to 79 million people across the nation. With so many participants, there are bound to be folks who make the wrong decision as to which Medicare policies and Medicare supplement plans they choose.

For many seniors, one of the most pivotal parts of their medical care may be their prescription drug plan. Most seniors will have to determine whether Medicare Advantage (known as Medicare Part C) or the Medicare Prescription Drug Plan (known as Medicare Part D) is the best fit for their needs. If you want to determine whether Medicare Part D is the right choice for you, you'll want to ask your provider the following three questions.

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