About Us |
Mike Cunningham | Retirement Planning Specialist
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Mike Cunningham, Retirement Income and Insurance Advisor and Owner of Freedom Financial and Insurance Services, has been helping retirees and pre-retirees plan for their “second life” for over 25 years. Mike specializes in retirement lifestyle protection with an emphasis on tax efficiency and guaranteed income planning.
Mike has helped many retirees and pre-retirees learn how to double their retirement income by controlling or eliminating taxes, fees, and investment losses in the planning process. The best results are achieved when the planning process begins years before retirement is to take place. Mike’s education based teaching style provides critical strategies to help you maximize Social Security income benefits. He will help you navigate and understand the complexities of Social Security options so you can make wise choices. He will also help you understand the options many people are using to reduce or eliminate the high cost of long-term care expenses. Your retirement years are your reward for a lifetime of working hard. You could be looking at a retirement that will last twenty-five years or more. That is a great thing, but planning for it comes with more challenges than ever before. So while you are thinking about hobbies and travel, you are probably also concerned about healthcare costs, volatile markets, taxes, and out-living your money. Mike will guide you through the many choices that need to be made to protect your future lifestyle, and the financial legacy that you would like to leave for your loved ones. Plan Well, Retire Well! LEGAL DISCLAIMER: CA Insurance License #0769057 |
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“I have been extremely pleased with both the product, service, and support I received from Mike Cunningham. The plan he designed for me is great, and Mike provided the right blend of information and common sense.” |
“Mike’s non-pressure and informative style made me immediately at ease and I was able to understand the options for a solid plan to take care of my family’s needs. I am happy to be represented by such an outstanding professional.” |
“I have worked with Mike for the past several years in my capacity as Manager of Benefits for San Juan Unified School District. I find that he is extremely knowledgeable in his area of expertise. Mike provides many options to consider to find the plan that best met my needs.” |
“I was very impressed with Mike and his desire to help me with my planning needs. He took the time to show me the different options so that I felt comfortable with the planning process. He worked with integrity and I never felt pressured or rushed to make a decision. I would say to anyone wanting information to give Mike a call.” |
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Our Services
What We Do For Clients |
Asset Protection
Retirement doesn’t mean that it’s time to stop growing. Same holds true for your money. It should mean, however, that it’s time to stop taking unnecessary risk.
We specialize in helping retirees protect their retirement assets while continuing to move forward. |
Family Legacy Planning
Many of our clients want to leave a legacy for their children and grandchildren and are shocked to learn how easy it is to double, even triple their inheritance – TAX-FREE AND GUARANTEED!
We also work with our clients and help them embrace their own mortality and be prepared for the loss of a spouse and the income burdens this can often create. |
Extended Care Solutions
Long-term care/extended care costs have gone up substantially in the last 10 years. Unfortunately, the statistics are not in our favor, a plan to address these costs should be included in every retirement strategy.
The good news is we work with hybrid insurance plans that leverage your dollar in case you need it for extended care, but remain 100% accessible for withdrawal if you don’t. |
Retirement Income
Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. It’s very likely to spend 30 years or more living in retirement without earned income.
We create a customized retirement income plan, encompassing all sources of income, for each one of our clients and no two plans are exactly alike. Let us get to work on a plan for you. |
We Love To Meet New People!
Contact Us
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MAIN OFFICE
102 B. Natoma St. Folsom, CA 95630 |
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EMAIL
[email protected] |
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CALL US
(916) 761-2633 |
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