Our services
R&D Fincial Services provides the world class financial solutions
Estate Planning - Will & Trust
Everyone has an estate. Your estate includes your house, bank accounts, personal possessions, retirement accounts, personal ownership interests in a business and more. The estate planning includes making a Will, appointing a Trust, naming a beneficiary/ executioner, naming a legal guardian etc. The set-up will save your loved ones from probate period. R&D financial services provide the necessary tools to safe guard your assests
Long Term Care (LTC)
Long-Term care (LTC) is an essential as people are living longer.
This impacts women more than men since they often live longer.
Long-Term Care Insurance can pay for expenses incurred when you have a severe coditions such a s Alzheimer’s, dementia or if you lose the ability to perform 2/6 of your Activities for Daily Living (ADL) Such as talking, bathing etc. R&D financial services can guide you or your loved ones in selecting
LTC insurance as a stand-alone policy or as a rider on some life
insurance policies.
401k Optimization, IRA & Roth IRA
Roth IRAs and 401(k)s are popular tax-advantaged retirement savings accounts that allow your savings to grow tax free. A Roth IRA is set up by an individual at an investment firm. The Roth IRA limits your contributions based on earned income.
A 401(k) is an employer-sponsored retirement plan. Contributions to a 401(k) plan are tax deductible. Investment gains within your 401(k) are not taxed by the IRS until you make withdrawals. A good strategy is to have both a Roth IRA and a 401(k). Invest in your 401(k) up to the matching limit, then fund a Roth up to the contribution limit. R&D financial services understands these plans and guide our clients based on their investment plans.
Life insurance , Annuities
R&D Financials services recognizes that life insurance has more benefits than most people aware off. Life Insurance is the only financial tool on the planet that can literally create wealth out of thin air. Annuities can be a powerful financial tool when used properly. It is the “opposite” of life insurance. With life insurance, you are betting that you will die too soon. With an annuity, you are betting that you are going to live too long. clients will need to find a life insurance agent that has both a life insurance license and a securities license to underwrite annuities. We specialize in IUL, Term insurances, annuities etc.
As a licensed professional, R&D financials services will ensure a perfect solutions for client needs.
Retirement Planning - Tax Free
There are two basic categories of retirement plans:
!) A defined-benefit plan is an employer-sponsored retirement plan such as pensions
2)A Defined Contribution Plan that is tax-deferred (401k or a 403b) in which employees contribute a fixed amount of their paychecks and the employer matches the fund that acts as a retirement fund.
Many Retirement Plans can be rolled over from one type to another.
We match the cleint's need with a perfect retirement plan with maximum benefits
College Saving Plan
The IUL is a more effective tool towards college savings when looked at over the long-term. The idea is to allow the cash account to grow over the long-term and avoid withdrawing cash until the funds are needed to help pay for college. 529 plans come with restrictions but not IUL. Our clients will have better options to choose from the IUL available in the market today.
Healthcare & Medicare
Medicare is health insurance for people 65 or older. You may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD). There are 2 main ways to get Medicare: Original Medicare (Part A and Part B) or a Medicare Advantage Plan (Part C). Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for your health and drug coverage. These “bundled” plans include Part A, Part B, and usually Part D. Out-of-pocket costs vary—plans may have different out-of-pocket costs for certain services. AARP, BCBS, AETNA etc some of the comapanies that provide medigap insurances.
Our clients can do their own research to consider thier Medicare options or they have an option use our licensed agent with HealthMarkets. We will compare your options to find the coverage that’s right for you and at the same time affordbale too. With our HealthMarkets agent, you get the benefit of great counsel along with great choices.
Business Opportunity
“DON’T THINK ABOUT SAVING MONEY – THINK ABOUT MAKING MORE MONEY!”
R&D Financial service offers business oppurtunity for those who wants to do more than 9-5 job. Anyone above the age of 18yrs can join our business. No experience required. All we need is an attitude to learn and succeed.
We all are looking for finaical freedom with qualitiy of life. Starting a new business is always stressful. With R&D financial, we provide a system that works for you rather than you work for the system. Feel free to email or contact us for more information
NJ Notary Public
We provide notary services to our client. we are licensed professional who can authorize your document as required
About us
R&D Financial services is a start-up company who specialized in investment and retirement plans.We are based in NewJesey and have state licensed producer for life and health. We are also licensed NJ notary public. The services we offer are estate planning- will & trust, long-term care, IRAs, Roth IRA, retirement planning, college saving plans, Whole and term insurances, IUL, annuties etc... We work with all major financial companies. Along with investment plans, we are buildig a marketing team to expand our business. This is a wonderful oppurtunity for people who is looking for more in life. We follow a system that works for us and not us working for the sytem. Our motto is leading you to a better financial freedom.
