Brian Holmes - COUNTRY Financial Representative

Permanent life insurance policies are different from term life in some key ways. Term life can be great for temporary protection, but if you need long-term security with some added benefits, permanent life might be right for you. Here are some benefits you should be aware of:

*Predictable premiums - Most permanent life insurance, including whole life policies, offer consistent premiums that policyowners can budget for. Individuals with these policies benefit from predictable premiums while securing valuable death benefit protection.

Indexed universal life insurance, a type of permanent life insurance, provides policyowners with significant flexibility in premiums and coverage. This can be valuable for individuals with less predictable incomes or who want to adjust their premium payments from year to year.

*Cash value - One key difference between most term policies and permanent life insurance policies is the presence of policy cash values. These cash values can be accessed by the policy owner for various “living benefit” needs. This may include policy loans, withdrawals or partial surrenders. When structured correctly, policyowners can use cash values without tax consequences, making them an attractive choice for many individuals.

Contact me today to discuss your life insurance needs and get a quote.

Retirement is a lot like a long vacation. And you know what they say: a good trip starts with a solid budget.

If retirement is causing you stress, then you need a plan. That’s where I can help. As a COUNTRY Trust Bank®️ Financial Advisor, I’ll work alongside you to assist you in developing a realistic retirement plan that considers everything important to you.
I’m ready to help you build your dream retirement. Let’s connect!

Learn more: https://cfin.us/SuccessfulRetirementTips

It’s the end of the year, which means another joyous tax season. Yay. We’ve put together some quick tips to help you get a head start on taxes this year.
Need some additional help? Our Financial Advisors can help you achieve your financial goals.

See how I can help at https://cfin.us/Planning

Talking to your insurance agent once a year can help you prepare for major life events and unexpected curveballs. Here’s what to discuss and why it’s important to meet with your agent annually.

❔ What should I discuss with my insurance agent?
When life changes, so do your priorities. In an annual review, talk to your agent about changes in your life, as well as your plans and priorities, to ensure you're protected.

❔ Are there other times I should contact my insurance agent?
Yes! Here are other times when giving your agent a call is worth the time.

1️⃣ Your policy is up for renewal.
Take time to evaluate your needs and your coverage since your last renewal to ensure you’re protected.

2️⃣ You’ve made major lifestyle changes.
Got married, quit smoking or had a baby? These changes can impact your insurance coverage needs.

3️⃣ You bought or received valuable items.
Receiving gifts such as jewelry or buying anything new for your home, like TVs or even artwork, means you might need additional personal property protection.

4️⃣ You’ve updated your home.
Made home or property improvements such as replacing the roof or installing an alarm system? Depending on the upgrade, you may qualify for a home insurance discount.

As an insurance agent, I’m committed to providing you with the best solutions for your needs, so you can experience all that life has to offer.

Give me a call today, and let’s talk!

Have you ever made a rash decision and then kicked yourself later for not waiting the situation out?

For a lot of people, that’s what it’s like investing money in the market. When the market is doing well, it makes you feel unstoppable. But when the market starts dipping below your “comfort zone,” you act out of fear and pull your money.

We understand. The uncertainty of the market can cause some major stress, but if you have a plan in place and a team of experts behind you, then you can ride the waves of the market with confidence.

As a COUNTRY Trust Bank Financial Advisor®️, I can ease your worries and help keep you focused on your financial goals, even when the market is not looking good. Let’s talk more about what your financial future could look like!

Learn more: https://cfin.us/4rcwA2t
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