United Safeguard Financial Group Helping You To Secure Your Retirement

We are independent. Our services are customized for you.

As fiduciaries we can tailor our products and services to your needs.

Our Services

  • Retirement Income Planning

    Retirement planning can be a complex process.


    Some of the common concerns our clients have are: 


    • Protecting their retirement accounts from market risk.
    • Not outliving their income.
    • Receive higher rates of return without risking their portfolio.
    • Reducing taxes on income and investments.
    • Reducing taxes on Social Security Benefits.
    • Protect their assets and their family.
    • Preserve their wealth and pass assets to heirs.

    All of our clients have different needs and goals. At United Safeguard Financial Group, we provide strategies by thoroughly reviewing our clients´ financial situation in order to recommend a plan of action.


    Perhaps one of the most important aspects of retirement planning is to ensure you are not making mistakes which can cost you to lose large amounts of your retirement.


    Some of the common mistakes are:


    • Failing to safeguard your retirement accounts from the risks of the market.
    • Trying to time the market and “wait for it to come back.”
    • Relying on a stockbroker or financial planner to tell you when to buy and sell.
    • Not properly planning to ensure you won´t outlive your retirement income.
    • Depending too much on Social Security.
    • Taking Social Security benefits at the wrong age.
    • Not structuring your investments to be tax advantaged.
    • Failing to properly prepare for the high costs of a long-term care.
    • Not protecting your assets from lawsuits and probate.
    • Failing to set up your IRA to take advantage of multi - generational tax laws.
    • Not taking the time to set up a trust or to review an already existing trust.

  • Investment Advisory

    Is your money managed by fiduciaries? 


    Investment Advisory


    United Safeguard Financial Group offers investment advisory services through our team at Brookstone Capital Management, LLC.


    All of our client’s investment advisory accounts are held in custodian at TD Ameritrade.


    John Schnorr is an investment advisor representative and provides fee-based investment advisory services through Brookstone Capital Management, LLC. Through his team of institutional money managers, he can work with you to provide a portfolio which meets your investment needs and goals.



    The Wealth Management Difference


    Brokers: These advisers offer a broad range of investment products and do not specialize in a single type of product. They are generally transaction focused and are compensated by commission with primary loyalty often to their employers. Regulators have never required brokers to act as fiduciaries—that is, to act in the undiluted best interest of their customers.


    Wealth Managers, or Registered Investment Advisers (RIA): These advisers take a comprehensive approach to meeting client needs by using a highly consultative approach to constructing integrated personal solutions. These advisers are paid a fee to provide investment advice, and according to federal law, have a fiduciary responsibility to act in the client’s undivided best interest.


    Through our relationship with Brookstone Capital Management, LLC, an SEC registered investment adviser, we act as your fiduciary and are able to offer comprehensive investment services that are always in your best interest. When you’re seeking investment advice, you should think carefully about how you compensate your adviser.


  • Income Planning

    Discover many of the opportunities available to help you plan for your financial future.



    Outliving Your Savings

    Individuals approaching retirement generally have one thing that keeps them up at night. They wonder, “Do I have enough value in my 401k or IRA to retire” or “What happens if I outlive my retirement by living too long?” These are both very valid concerns for a retiree.



    Do you have an income plan?

    Your life savings becomes much more important to you when you lose your earned income. Consequently, how you draw income from your life savings is crucial to long-term success. It is as critical as how you invest your life savings.


    Most retirees are drawing one or two major sources of income including Social Security. However, if you need additional income, it has to come from your life savings and that can put additional pressure on your nest egg.


    United Safeguard Financial Group utilizes a two-bucket system for your retirement plan. The first is safe money you "live-on" and the second is risk money you "leave-alone." Money in the "leave-alone” bucket is invested for a minimum of five years, and you don’t draw income from this bucket.


    With a proper balance of smart risk investments and safe money accounts, you should be able to maintain a certain withdrawal rate from your safe money bucket and not impact principal over time. You should also have the flexibility to increase distributions periodically to offset inflation.



    Setting Income Amounts

    While retirement is a time of life to be enjoyed, it is very important that you not draw too much from your life savings every year. The amount will vary based on your needs, the amount you have saved, and risk tolerance.


    However, the appropriate mix of investing and withdrawing is essential to maintain long-term financial support. Your risk tolerance plays heavily into the amount your financial plan will allocate each year.



    Tax Efficient Income

    It is important for you to recognize that if you draw income from the wrong place, it can have an adverse effect on your tax return. Most retirees have two types of money – 1. IRAs, 401(k)s, or other types of retirement account money. 2. The other type of money are funds not in a retirement account.


    When you look at your retirement account balances, remember that you don't really own all that money because most, if not all of it, has never had income tax paid on it. So, once you pay taxes, you actually keep only a portion of it. How you get the money out of that account is what determines how much income or how much money you get to keep. Any dollar you take out of your retirement account is fully taxable.


    Understanding the tax implications of taking money from various accounts is important when we assist you in structuring your income plan. It could impact your federal income tax, the Tennessee Hall tax, and taxes on Social Security income. Remember, money that shows up on your tax return could add to the taxes on your Social Security income.



    Income in down markets

    How you draw income when the market is down impacts long-term stability. You do not want to draw monthly income from accounts going up and down in value; in bad markets, you will compound your losses.


    Therefore, it is essential to have safe monies to draw from through difficult markets. This takes us back to the two-bucket system we use to formulate your unique retirement plan. The safe money you "live-on," and the risk money you "leave-alone".

  • Wealth Preservation

    Wealth Preservation is one of the most important issues facing retirees today.  If you are like most people, you have worked hard your whole life, saved your money, and made good decisions. 


    Now that you are nearing retirement or already retired, you need to preserve what you have and protect from losing it. 


    There are five major threats to your wealth:

      • Long Term Illness

      • Taxation

      • Inflation & Low Rates of Return

      • The Risk of Wall Street

      • Lawsuits and Probate


    How to deal with these threats can be confusing and complex.  For that reason, we take a one on one approach with all of our clients to bring them through an educational process.


    For some retirees long term illness can be the biggest threat to their wealth, and for others it might be taxation or the risk of Wall Street.


    Solutions for preserving your wealth:

    At United Safeguard Financial Group we analyze your financial picture and review your current strategies.  After doing so, we will identify the areas you are most vulnerable and educate you and provide solutions for preserving your wealth.


    Call for a complimentary, no obligation consultation: 800-209-1244


    By contacting us, you may be offered information regarding the purchase of insurance and investment products.


    Your investment advisor is not permitted to offer, and no statement contained herein shall constitute tax or legal advice. You should consult a legal or tax professional on any such matters.

  • 401(k) & IRA Rollover

    If you have recently retired or left your company you are faced with one of the most important financial decisions of your life. 


    Your 401k or IRA Rollover is an important decision

    Research shows we are living longer and that you should not rely solely on Social Security or Pension Plans for your retirement.  Therefore, how you handle your 401k, IRA, or qualified plan rollover is very important and can become the most critical component to your financial independence. 


    Cashing in your 401k or IRA can be a bad idea

    Beware of withdrawing money from your retirement savings plan account!  You will owe current income taxes on the eligible portion of your withdrawal and 20% is payable instantly through withholding or income taxes.  In addition, if you take the withdrawal before age 59 1/2, you may also owe an additional 10% early withdrawal penalty.  That could be an immediate 40% loss to your retirement account!


    For most people it is usually beneficial to rollover their 401k to an IRA because:

      •  A rollover is completely tax free and with no penalties.

      •  You don’t lose 30% to 40% of your account to taxes.

      •  Your account continues to grow tax deferred.

      •  You gain full control of your retirement account.

      •  You gain full control of your investment options.

      •  You control how risky or safe you want your investment to be.

      •  You can safeguard your account from any market risk.

      •  You can guarantee an income stream for life.


    We specialize in 401k and IRA Rollovers.


    At United Safeguard Financial Group we specialize in 401k Rollovers and IRA transfers.


    We have an easy 3 step rollover process that is designed to determine your objectives and match you with the most suitable company and investment.


    We can show you how to make sure your 401k or IRA rollover account is safeguarded from the downturns in the market.


    In addition we can also show you how to do 3 very important things:


      • Safeguard your rollover account from market risk.


      • Set up your rollover account so you receive an income stream for life.


      • Set up your account to take advantage of the Stretch IRA laws. 


    Call for a complimentary, no obligation consultation: 800-209-1244


    By contacting us, you may be offered information regarding the purchase of insurance and investment products.


    Your investment advisor is not permitted to offer, and no statement contained herein shall constitute tax or legal advice. You should consult a legal or tax professional on any such matters.

  • Tax Reduction

    If you have recently retired or left your company you are faced with one of the most important financial decisions of your life. 


    Who likes paying taxes?

    No one looks forward every year to pay taxes.  The tax codes are always changing and there seems to always be an unpleasant surprise with the IRS every year.


    There is always the fear of losing large portions of your savings to the IRS. Even with the advice of an accountant or CPA, you can end up paying more in taxes on your retirement assets than you imagined.  Many people just give up, thinking there is nothing much they can do about taxes.


    The truth, however, is the proper tax planning can make the difference between going broke and being wealthy. 


    Don’t Procrastinate, Plan Now!

    At United Safeguard Financial group we have partnerships with some of the premier tax advisors and estate planning attorneys in our industry.


    A little planning ahead can go a long way to keeping your taxes as low as possible in retirement. In order to plan ahead properly, you'll need to understand how your retirement income will be taxed.


    How retirement income is taxed

    Retirees often receive income from a variety of sources, including Social Security benefits, and distributions from pensions, annuities, IRAs and other retirement plans. It is important to look at how the income from your different sources of income are taxed, and then look at basic tax strategies.


    Many times retirees overlook the simple concept of tax deferral and the power it can have over time with their investments.  Simply stopping the 1099 reporting each year on an investment and creating tax deferral can mean the difference of thousands of dollars.


    Social Security Benefits

    Your Social Security benefits may be completely tax free or partially tax free, depending on your total income.


    Figuring out how much of your benefits will be included as taxable income involves some math. For planning purposes, if your retirement income will cause some of your Social Security benefits to be taxed, it is possible to reduce or eliminate the taxation.


    Call for a complimentary, no obligation consultation: 800-209-1244


    By contacting us, you may be offered information regarding the purchase of insurance and investment products.


    Your investment advisor is not permitted to offer, and no statement contained herein shall constitute tax or legal advice. You should consult a legal or tax professional on any such matters.

  • Social Security Planning

    If you're like most people, after working hard your whole life you want a comfortable retirement.  While no one should rely on Social Security as their sole source of retirement income, it can be a nice addition to other retirement income.


    To get the most from your Social Security benefits, you need to do some comprehensive planning.


    Most people are concerned with two questions:

    1.  At what age should I start taking Social Security?

    2.  How can I reduce taxation on my Social Security benefits?


    We can also provide you with answers to other questions such as:

    1.  How to find your full retirement age?

    2.  What happens if you work after retirement?

    3.  What types of earnings can affect Social Security?

    4.  How to apply for benefits?

    5.  When to enroll for Medicare?


    Unfortunately retirees often make mistakes choosing when and how to apply for their Social Security Benefits.  There are currently more than 500 different ways to apply for Social Security Benefits.  At United Safeguard Financial Group we can help you plan for Social Security and provide you with solutions to these to concerns.  Allow us to do a personalized Social Security Analysis for you to optimize your benefits.


    Call for a complimentary, no obligation consultation: 800-209-1244


    By contacting us, you may be offered information regarding the purchase of insurance and investment products.


    Your investment advisor is not permitted to offer, and no statement contained herein shall constitute tax or legal advice. You should consult a legal or tax professional on any such matters.


    John Schnorr and/or Brookstone Capital Management, LLC, are not affiliated with or endorsed by the Social Security Administration or any other government agency.

  • Long Term Care

    Why prepare for long term care?

    Protecting your wealth from the high costs of a long term illness is an essential part of retirement planning. Long term health care is a category of health care for people when they can no longer take care of themselves. 


    This need usually results from being disabled physically or being mentally unable to care for themselves. Alzheimers, stroke, diabetes, and just plain old age are common reasons people need long term care.


    A fortunate few, who are wealthy, do not have to concern themselves with the high costs of long term care.  However, for the majority of Americans, the high costs of long term care can financially ruin a family if they do not take the necessary steps to prepare and plan for it.


    How expensive is Long Term Care?

    Almost 50% of people age 65 or older will spend some time in a nursing home. The annual cost for long-term care can easily reach $50,000 or more.

    • Nursing home costs can range between $90 and $200 or more a day.
    • Residential care facilities, that provide assisted living, can cost $45 to $70 a day.
    • A homemaker or live in companion can cost $155 or more a day.
    • At home visits by a registered nurse can cost $100 or more a day. A visit at home by a social worker can cost more than $110 a day.

    Because these long term health care services are tremendously expensive, many families have gone bankrupt trying to pay for them. 


    Won’t Medicare pay for long term care?

    Medicare will pay for the first 20 days. To qualify, three full days must first be spent in an acute care hospital before admission to the nursing home.  If three days are not first spent in an acute care hospital (within 30 days of admission to a nursing home) nothing is paid.


    After the first 20 days Medicare will pay just a small part of the cost for the next 80 days. Anything after the next 80 days Medicare will generally pay nothing and you are completely on your own. 


    The Solution:

    Many retirement planning experts encourage retirees to carry long term care insurance insurance to:

    • Protect your family and retirement from financial ruin.
    • Help with asset protection planning so you can leave an estate for your loved ones' benefit.
    • Assure that long term health care treatment you receive will meet the current standards for long term care.

    It is also possible when planning for long term care to look at other alternatives such as annuities that have long term care riders and also “Medicaid planning”.


    Don´t procrastinate, plan today!


    Call for a complimentary, no obligation consultation:   800-209-1244


    By contacting us, you may be offered information regarding the purchase of insurance and investment products.


    Your investment advisor is not permitted to offer, and no statement contained herein shall constitute tax or legal advice. You should consult a legal or tax professional on any such matters.

Share by: