Mission Statement
Integrated Guidance for Your Retirement
Insurance Services
Many retirees underestimate how a significant market downturn could affect their long-term income. Insurance is more than protection for physical assets — it can also help safeguard your financial future.
We help protect retirement nest eggs with a range of insurance products and strategic planning solutions designed to provide stability, reduce risk, and help ensure income lasts throughout retirement.
Estate Planning
Estate planning and legacy building protect your assets and help ensure a smooth transition for loved ones. Without a plan, even strong relationships can be strained.
Addressing it now provides clarity, reduces stress, and preserves family harmony — allowing you to leave a meaningful legacy aligned with your wishes.
Medicare
- People age 65+
- Certain younger individuals with disabilities
- People with ESRD or ALS
- Part A – Hospital Insurance: Inpatient hospital, skilled nursing (short-term), hospice, some home health.
- Part B – Medical Insurance: Doctor visits, outpatient care, preventive services, labs, DME, some home health.
- Part C – Medicare Advantage: Private plans bundling A & B (often D) with potential extras (dental, vision, hearing).
- Part D – Drug Coverage: Helps pay for prescriptions; costs and formularies vary by plan.
Retirement Planning
More than saving — it’s a coordinated strategy for living confidently ahead. We bring together income sources, investments, insurance, and estate goals in one roadmap.
- Income Planning: Steady, reliable income throughout retirement.
- Investment Strategies: Balance growth with protection.
- Risk Management: Use insurance to guard against surprises.
- Tax Efficiency: Smart withdrawals and income structuring.
- Estate & Legacy: Preserve assets and intent.
Without a plan, it’s easy to underestimate longevity, markets, and health costs. With a thoughtful strategy, you can pursue goals while protecting what you’ve built.
A strategy based on your goals
Planning for retirement can be less challenging when you do it with an experienced team. Our advisors will help you build a financial strategy based on your goals.
Our Process
- Vision
- Assessment
- Strategy
- Action
- Ongoing Relationship
We offer services in these three areas:
Protect your retirement with annuities, life, and long-term care strategies designed to reduce risk and stabilize income.
Guidance on Parts A–D, Medigap vs. Advantage, and annual plan reviews so your coverage fits your doctors and prescriptions.
Income planning, tax-efficient withdrawals, and legacy strategies to preserve assets and support the people and causes you value.
Insure With Arama Services:
Prepare for retirement by putting your hard-earned assets to work.
- 403(b) / TSA Plans
- Annuities
- Asset Protection
- Charitable Giving
- College Funding
- Deferred Income Annuity
- Estate Planning
Protect the assets that can help you live the retirement you’ve always imagined.
- Fixed Indexed Annuities
- Guaranteed Income
- Immediate Annuity
- Income Planning
- IRA, 401(k) & 403(b) Rollovers
- IRA Legacy Planning
- Legacy Planning
Provide for the people and causes you care about the most.
- Lifetime Income Planning
- Retirement Income Planning
- Retirement Income Strategies
- Safe Money Options
- Social Security
- Tax-Efficient Strategies
Regular Review
Your life evolves — and your plan should evolve with it.
Through regular plan reviews, we evaluate progress, adjust to new circumstances, and update any information that’s no longer current. Our dedicated support team is always available to provide clear answers when you need them most. These ongoing reviews are a key part of ensuring your plan stays aligned, relevant, and effective, because doing it the right way means doing it consistently.
- Evaluate progress toward your goals
- Adjust the strategy to new life events
- Refresh outdated data & assumptions
- Discuss risks, opportunities & next steps
- Access our support team for clear answers
