Grow It, Protect It, Live On It

Wealth Planning and Retirement Income

You spent decades building your savings. We help you shield them from market swings, turn them into a paycheck you can count on in retirement, and pass what’s left to the people you love.

Book a Complimentary Retirement Strategy Session

Share where you are today and where you want to be. We’ll map out income options, show how long your savings could last and answer every question, free of charge.
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Strategies to Grow and Safeguard Your Savings

Insurance-based tools that add guarantees to your financial plan. We match each one to your timeline, income needs and comfort with risk.

Cash Value Life Insurance

Permanent policies that build a tax-deferred cash reserve alongside your death benefit. Access it later through policy loans for retirement, emergencies or big opportunities.

Fixed Annuities (MYGAs)

Lock in a guaranteed interest rate for 3 to 10 years, similar to a CD but with tax-deferred growth. A steady option for money you want to keep safe.

Fixed Indexed Annuities

Earn interest linked to a market index like the S&P 500, with a 0% floor so a down year never reduces your principal or past gains.

Lifetime Income Planning

Build a retirement paycheck that arrives every month for as long as you live, coordinated with your pension and Social Security timing.

Hybrid Life and Long-Term Care

One policy that pays for home care or assisted living if you need it, and passes a death benefit to your family if you don't.

Legacy and Wealth Transfer

Leave more to your children and grandchildren. Life insurance can create a tax-efficient inheritance, fairly divide an estate or fund a charitable gift.

Inside Your Personalized Retirement Plan

A written roadmap that shows exactly where your income will come from and how your savings are protected.
  • A clear picture of your projected monthly income in retirement
  • An income-gap analysis showing what Social Security and pensions won't cover
  • Guaranteed income options compared side by side
  • A plan to shield savings from a market drop near retirement
  • Long-term care and legacy options for your family
  • A yearly review to keep your strategy on course

Is This the Right Fit for You?

Approaching Retirement (Ages 50 to 65)

You have savings in a 401(k) or IRA and want to know how to turn them into reliable income without gambling on the market.

Recently Retired

Your paycheck has stopped and you want certainty that your money will last as long as you do.

Careful Savers and High Earners

You want growth potential with a safety net, plus tax-advantaged places to build wealth beyond your retirement accounts.

Stories From Clients Planning Ahead

I watched my 401(k) drop right before I planned to retire and it scared me. NorthStar showed me how to protect part of it and create income I know will be there every month.
Susan K.
They laid out our Social Security, pension and savings on one page. For the first time, my wife and I know exactly what our retirement income will look like.
David M.
I was worried about paying for care as I get older. The hybrid policy means I’m covered if I need help, and my kids still get something if I don’t.
Karen L.

Retirement and Annuity Questions, Answered

What is an annuity and how does it work?
An annuity is a contract with an insurance company. You deposit money, it grows tax-deferred, and later it can be turned into a stream of income, including income guaranteed for life. Fixed annuities credit a set interest rate, while fixed indexed annuities credit interest based on a market index with no loss from market declines.
Your principal and credited interest are protected from market downturns. However, withdrawals above the free-withdrawal amount during the surrender period can result in charges, and optional riders may carry fees. period, such as while children are young or a mortgage is being paid off. Permanent life insurance, like whole life or IUL, lasts your entire life and builds cash value. Many families use a combination of both.
Permanent life insurance builds cash value that grows tax-deferred. You can access it through policy loans or withdrawals for retirement, emergencies or opportunities, while the policy continues to provide a death benefit. Loans and withdrawals reduce the cash value and death benefit.
Ideally 5 to 10 years before you plan to retire. That gives you time to decide when to claim Social Security, protect savings from a market drop right before retirement and lock in guaranteed income options.
It is a life insurance policy that lets you use the death benefit to pay for qualifying long-term care costs, such as home care or assisted living. If you never need care, your beneficiaries receive the death benefit.
No. NorthStar specializes in insurance-based strategies such as annuities and cash value life insurance. If you need securities or investment advice, we are happy to work alongside your financial advisor.

See How Long Your Savings Could Last

In one short conversation, we’ll estimate your retirement income, spot any gaps and show you ways to close them. Honest numbers, zero pressure.
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