© 2019 Creekside Financial Group Inc., 167 Creekside Lane, Winchester, VA  22602

 

Investment Advisory Services offered through AlphaStar Capital Management, LLC a SEC Registered Investment Adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. AlphaStar Capital Management, LLC and Creekside Financial Group Inc. are independent entities. The firm only transacts business in states where it is properly registered or is excluded or exempted from registration requirements. Insurance products and services are offered through individually licensed and appointed agents in various jurisdictions. Creekside Financial Group Inc. does not offer legal or tax advice. Retire Shield TM is a registered trademark and proprietary investment portfolio model.

INSURANCE

Creekside Financial Group Inc. utilizes its common-ownership company, Creekside Insurance Advisors Inc. for all insurance product solutions and recommendations. Our firm is appointed with dozens of insurance companies in each respective market and utilizes electronic quote engine tools, product knowledge and experience to identify the most suitable solutions.

Transitioning from employer or individual health insurance coverage into Medicare can be quite intimidating.  There's just SO MUCH information out there.  Not to worry, we will make this transition understandable and stress-free throughout the process.  Our Medicare Insurance experts will answer all of your questions and make the process as painless as possible.

There are a variety of life situations that require the solution of life insurance.  But what type of life insurance makes the most sense?  Term, whole life, universal life, indexed universal life, accumulation universal life and guaranteed universal life are a few examples.  Let our life insurance experts help to solve your needs in the most beneficial ways possible.

There is about a significant chance that you may need long term care services during your lifetime - and it is quite expensive.  We generally do not recommend traditional long term care insurance anymore (sometimes we will of course).  There are much better, more preferred solutions available today, such as asset-based long term care.  Feel free to ask us how this works.

Fixed annuities are designed for income guarantees, however most retirees use them instead as a deferred savings vehicle, much like a bank CD.  Fixed annuities, in a deferred status, generally provide much higher interest rate guarantees and are quite suitable to the retiree who is focused more on safety and preservation, but without the compromise on growth.

Fixed indexed annuities have become quite popular, especially among retirees.  This is because they provide interest rate growth linked to the stock market index, with caps, but do not have the risk of loss if there is a market decline.  There is typicallyy much higher growth potential in this type of product compared to other savings vehicles.

Income can be generated from an annuity by either annuitization or income rider withdrawals.  Both have their advantages and disadvantages.  We can discuss which might make sense for your circumstances if lifetime income need is necessary to your long term financial plan.

Fixed insurance and annuity product guarantees are subject to the claims paying ability of the issuing company and are not offered or guaranteed by AlphaStar Capital Management, Creekside Financial Group Inc. or Creekside Insurance Advisors Inc.