Pathways To Retirement

03/06/2025

The right Annuity means EVERYTHING!

Please take a moment to read the importance of hitting the bullseye on having the right annuity with Long-Term Care rider options that can “double income” when a health event, triggering full time care, unfolds to help fund “essential care” needed for you.

Message me for a no-cost review to discuss your options.

Many people have an annuity—but that doesn’t mean they have the right one for their needs. Depending on your financial goals, your annuity should be structured for:

💰 Accumulation – Growing your retirement savings with tax-deferred growth
📥 Income – Creating a steady, guaranteed paycheck for life
💡 Both – Maximizing growth while securing future income

But there’s more… Did you know some annuities offer extra benefits?

✔️ Long-Term Care (LTC) Riders – Help cover care costs if you need assistance later in life
✔️ Life Insurance Riders – Provide additional financial security for your loved ones

The wrong annuity could cost you. The right annuity helps you reach your retirement and legacy goals with confidence.

Let’s review your annuity together and make sure you’re set up for success.

Schedule a free appointment today to learn more! 🔑 www.krs.insure

02/24/2025

Another great reality about Long Term Care options they everyone would benefit from who are making sure there is coverage in place for when a “life-changing” event happens health wise. Let me know your thoughts.

❌ Assumption: "I’ll never need long-term care."

✅ Reality: Over 70% of people age 65+ will need some form of long-term care in their lifetime. And 1 in 5 will require care for five years or longer.

Common Long-Term Care Myths That Can Cost You:

❌ “Medicare will cover my long-term care.”

➡️ Truth: Medicare only covers short-term skilled nursing care for up to 100 days after a qualifying hospital stay—and only if you meet specific conditions. It does NOT cover ongoing custodial care, assisted living, or long-term nursing home stays.

❌ “I’ll use my savings or rely on my family.”

➡️ Truth: Care costs can drain your assets fast, and caregiving can be emotionally, physically, and financially overwhelming for loved ones.

❌ “I’ll think about it later.”

➡️ Truth: Waiting too long can mean higher costs, fewer coverage options, or no options at all.

The Solution? A Plan That Works for You ✅

A long-term care strategy helps protect your savings, give you more choices, and ensure your family isn’t left making tough decisions alone.

💡 Did you know? Some life insurance policies include Long-Term Care riders, allowing you to access benefits while you’re still alive—helping you cover care costs without draining your retirement savings.

A plan today means peace of mind tomorrow. Let’s talk about your options before it’s too late.

To learn more, schedule your free appointment today! 🔑 www.krs.insure

02/05/2025

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Hear Sandy’s story about her experience with Genworth and long term care insurance.Learn more about long term care insurance on our website at https://www.ge...

02/02/2025

So often, Annuities are misunderstood. They have stood as one of the monumental stabilizers for a 'retirement portfolio' as people balance what is vulnerable in the market and what needs to be 'safe growth over time' or, like a pension, income you can depend on for life, no matter how the market performs. There are also ways to double/triple the income when a health event unfolds that requires Long-term Care. Message me or call (630-542-5090). Amazing options for 2025.

Enjoy Retirement Without Worrying About "What Ifs" 🔑

Retirement should be about living life to the fullest—not stressing over market volatility, rising healthcare costs, or the fear of outliving your savings. But for many retirees, financial uncertainty is a real concern.

The good news? Insurance companies offer annuity contracts designed to provide stability, growth, and guaranteed income—helping you take control of your financial future.

✅ Secure a lifetime income stream you can count on
✅ Shield your savings from market downturns
✅ Fill critical gaps traditional investments and Medicare don’t cover—like Long-Term Care & Life Insurance

Don’t leave your future to chance. Learn how annuities can help you build the retirement you deserve.

Read our latest blog to learn more 👇
www.krs.insure/blog/protecting-your-retirement-savings/

10/02/2024

HERE COMES AEP (Annual Enrollment Period) for SENIORS.

Wow, many changes to navigate as new plans come out for 2025.

For several years, I have genuinely helped hundreds of people with their Medicare coverage (ie: Supplements, Advantage Plans, PDP plans, Dental/Vision, Hospital Indemnity, STC-LTC, Life, Safe products, Managed Money, and Retirement planning).

What a ministry that I am able to provide as I help people experience 'peace of mind' with their health insurance coverage and long-term retirement planning.

I am a BROKER with "Key Retirement Solutions" and represent many of the top carriers in the State of Illinois and am licensed in five other states.

Instead of calling carriers directly, waiting on the phone and having someone you don't know seek to help you ------ please consider calling me, a local broker, as I represent not only many of the carriers but ultimately, represent YOU seeking to place you in the most reasonable plans and have the most benefits possible that meet your needs.

I offer FREE REVIEWS, and it is so important to make sure you have someone representing YOU!

I'd like to earn your business and seek to help you navigate new plans for 2025......so call, text, message, or e-mail me this week and we can set up a ZOOM, GOOGLE MEET UP, CALL or IN-PERSON meeting together.

Also, I encourage you to share this post with others and spread the word - FREE REVIEWS available and just know, I am compensated by the carriers without bias and no cost passes on to you.

Hope to help as many as I can during this AEP and 2025.

Jeorge G Holmes
630-542-5090
[email protected]

06/03/2024

If anyone is in the vicinity of Sugar Grove - YOU ARE INVITED TO ATTEND a FREE "Key Retirement Solutions" (KRS) Workshop/Seminar based on the following subjects; "Social Security Strategies, Navigating Medicare and Building a Retirement Roadmap" that will get you to your destination.

We will be meeting at the Sugar Grove Public Library (non-sponsored event) at 125 S. Municipal Drive in Sugar Grove this WEDNESDAY EVENING @ 6 PM.

It will be FREE OF CHARGE and very EDUCATIONAL and INFORMATIVE with added Q&A, as needed.

By clicking the eventbrite LINK BELOW, you can register and guarantee your spot ASAP. I will be presenting along with a colleague, Stephanie Burling, who is an Insurance Broker and Fiduciary at KRS.

Personal Note: So many people struggling in this economy. It will be worth your drive and time to come out and hear valuable information about Social Security Strategies, Medicare savings/benefits, and Retirement realities in a volatile market.

Hope to see YOU!

https://www.eventbrite.com/e/social-security-medicare-building-your-retirement-roadmap-workshop-tickets-909775050667?aff=oddtdtcreator

Seats will fill up fast, reserve yours today!

06/15/2023

ATTENTION

Any thoughts or helpful stories - fire away with this subject matter.
I have had many people, with 38 years of Pastoral Ministry, be diagnosed with cancer, experience heart attacks/strokes and other serious illness and NOT be covered with Life Insurance to help cover final funeral expense and miscellaneous medical bills.

6 out of 10 people between the ages of 60-80 do not have "Permanent Final Expense Life Insurance" in place to go to their loved ones when they pass away.

So often, carriers will not take on the risk involved with someone that doesn't qualify, health wise, for standard final expense insurance. Ugh.....

As a minister, I work with top carriers that are A-rated, reasonable and will not decline you but APPROVE you so that the financial burden, when death occurs, is covered and your family can concentrate on incredible memories and the legacy you have lived....rather than financial hardship.

Whether 'major health issues' or 'in the greatest of health' - I'm able to shop for clients to position them with the most reasonable and reliable coverage.

Seriously, I've helped many people get coverage they didn't think was possible, even those who have major health issues or are in the greatest of health. I've always said, "Don't leave earth without LIFE Insurance".....for when your family needs it most.

Feel free to comment below or message me personally or give me a phone call for a "no obligation free review" (630-542-5090).

Anyone you may know that needs this type of help - just pass my name on to them.

Blessings!

06/05/2023

NOTE: As a minister, I've done over 300 funerals and, many times, the family finds out the deceased person did not have Insurance (lapsed or cancelled) which becomes an additional financial burden on the family while missing their loved one. Not easy and not needed!

The last thing family wants to think about is whether or not the deceased had Life Insurance and, if not, how can they afford the funeral expense.

Final Expense Life Insurance FACTS
*Whole Life - Final Expense Life Insurance
*No Exam Necessary
*Most reliable 'A rated' coverage with low rates
*Cash value over time with policy
*Tax Free to Beneficiary

From $2,000-$25,000 in death benefit

I've covered the most healthy and individuals with serious health issues. Don't assume you can't be covered with reasonable Final Expense Life Insurance.

Call or message me ASAP - check out flyer attached. I work with top carriers to bring my best for each client's unique needs.

Statistic: 6 out of 10 people, 55 and older, DO NOT have Final Expense Insurance.

Even if you do have coverage, give me a call to see if we can get you a lower premium or more death benefit.

Free Review - Free Quote

09/17/2019

Top 10 Best Options Preparing for Retirement - GREAT ARTICLE!

There are plenty of good retirement options out there, but sticking to a single plan won't help you achieve your goals. “There’s nothing that’s a silver bullet,” said Jennifer Landon, founder and president of Journey Financial Services. That means a good r...

09/10/2019

Athene - top Fixed Indexed Annuity shares a fantastic tool that is in our 'toll kit'. A FREE Social Security Maximization Report and the best plan for each client. Call or message me today.

Our toolkit offers a compelling client presentation, point of sale tools on when to withdraw benefits and a teaser on the fact that up to 85% of Social Secur...