Provest Wealth Strategies
Build Your Family's Legacy Today
Provest Wealth Strategies has partnered with Ethos to bring you the best options when it comes to your life insurance. Let’s build your legacy today!
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Planning for the future
Do I Need Life Insurance?
Why Life Insurance? It’s a topic too often avoided. One must think about the lives they lead, as one day it will end.
Life insurance will give you that peace of mind that your loved ones will indeed be taken care of, and you unselfishly placed your family first … Start building your legacy today!
Get a quote in seconds … life protection starts here!
Life insurance can provide protection for:
- Your Loved Ones
- Your Business
- Estates You Have Created
- Homes and Property Acquired
- Debt You have Incurred
- Unforeseen Medical Expenses You Can't Plan For
- Highly Expensive Long-term Care
- Over-spent, Under Saved Through the Years
Michael D’Antuono
President & CEO
Why Provest?
With years of industry experience, Michael D’Antuono and the Provest team have the knowledge, experience and resources necessary to help you achieve financial success in the present and the future. Michael is steadfast in retirement planning, specializing in maximization of portfolio components for a more efficient and personal method of protecting your loved ones!
life insurance doesn't have to be expensive
Think About This...
You enjoy coffee every morning before your day starts?
If you purchase coffee each day, sometimes 3x a day like many…
You’re spending almost $10-$14 daily.
How about building a legacy for your loved ones, and having one less coffee, getting a Term Life Insurance quote, for some, only $4 a day, for $750,000 of coverage and protection to pass to your family?!
$4 … a… day! Drink that!
It's never too late to start building a better future for your family.
we can help you plan for the future
Which Category Do You Fall In?
Home Owner
Home purchase could be the largest debt to incur in your lifetime …How do you protect this investment? How do you protect your family from taxation, capital gains, estate taxes, erratic home market fluctuations, and unforeseen damages? Life insurance! Don’t insure the lender… they have your money! Insure your family, a duration the length of your mortgage, without depreciating! Match the amount of the mortgage, get a quote in seconds!
Care Taker
People depend on you whether you're a homemaker or the breadwinner for the family… But what about an elderly parent, a family member with a disability? Have you ever thought about what would happen if you weren't around? Get the coverage to provide them that protection… Use life insurance to safeguard your loved ones!
Parent
Do you think it's inexpensive to raise a child? Have you actually calculated the expenses to encompass not only education but activities such as sports, vacations and, most importantly, unforeseen medical expenses? According to the USDA, it costs about $234K to raise a child, without even considering college tuition. The proper life insurance will ensure your children and financial support to grow, live life and embrace the legacy you have left behind… All for love!
Stay-At-Home Parent
You can't put a price on a stay-at-home parent. It's an immeasurable value to your family and your loved ones… Their responsibilities encompass a myriad of ideals, so let's protect them with life insurance! Salary.com found that stay at home parents contribute the equivalent of $165,000 annual salary… That's serious income… The right life insurance will ease this financial burden on your partner and your loved ones, providing a true family dynamic, built upon a legacy!
Business Owner
Time, perseverance, strive for excellence, ingenuity, pride … Some of the components of a business owner… Now that the business is a success, let's protect it. There is too much uncertainty when life insurance is not incorporated regarding businesses, and ultimately something happens to an owner. Continue your business operation, continue your legacy… With life insurance!
Retiree
Your final expenses need to be covered as you approach retirement… The whole life insurance can help cover these expenses, with a built-in guarantee component to accrue cash value, the added death benefit, and protection you want to put in place , giving your loved ones valuable piece of mind that they will flourish, leaving your legacy.
protect your future
What is an Annuity?
An annuity is a long-term retirement solution that can be used to help protect and grow your retirement nest egg.
At Provest, we’ll go over all of your options to ensure your legacy is secure!
Start your free estimate today!
Annuity Myths Debunked:
Liquidity features is a topic that people fear when talking about annuities… Fear no more! Many annuities allow for penalty free withdrawals, and some annuities permit up to a 10% of the accrued account value … each year! Carriers now even offer 100% of your money accessible if you qualify for a terminal illness, nursing home or home health care! Let’s not forget that depending on the duration of the annuity you choose, it’s a non taxable event to transfer the total value into another product within the same carriers portfolio, or throughout the marketplace! Annutities… they sound accessible now!
Fixed Index Annutites that haven’t been annuitized ( draw down the value for lifetime income stream) will have no surrender charges as they’re waived if the annuitant passes away… The remaining account value is passed along to your loved ones, your beneficiaries! The balance of the account value also avoids probate.
Your premium goes to work for you immediately, and starts the effective date on day one to earn interest, and the opportunity for unlimited, uncapped potential! The agent is not compensated from your premium, only from the commissions from the carrier directly. The agent does not see, touch or handle your money. The agent does make churn trades on your premium, receive comp from hidden fees or collect assets under management. Rest at ease, as your money is yours, and the ability to grow starts the very first day, without speculation!
Annuities have surrender charges , yet diminish as the contract moves on in years … Yet, there are options to avoid surrender charges, such as 10% withdrawals of the accrued cash value each contract year without penalty! Some additional riders could cost more, if elected, as well as enhancement fees, a great benefit to accrue more cash value, but these are options only and can be discussed in detail with at Provest.
Annuities have many similarities to a pension, even Social security… You’re guaranteed a lifetime stream of income, have liquidity features such as 10% penalty-free withdrawals from accrued account value and flexibility in non-taxable event transfers at end of surrender periods!as The ability to accrue retirement funds with no market risk or volatility in this part of the portfolio to breadth a sigh of relief! No risk, unlimited upside and guarantees? Annuities… Sign me up!
Within a fixed index annuity, your money is not directly invested in the market… Hence avoiding volatility, risk and speculation! What a great way to start building retirement, having those three aspects removed from the equation. Let’s remember that your account value will never be credited less than zero (that’s the guarantee) if that index decreases, plus your account value grows as the index increases, providing uncapped, unlimited potential with zero downside risk! Retirement, here we come!
How An Annuity Can Enhance Your Retirement Portfolio
Today your retirement portfolio may include stocks, bonds, mutual funds that all play a part in helping you achieve a successful retirement. However, you should consider adding a fixed indexed annuity that can complement your portfolio by providing attributes for retirement that categories below do not offer…
Annuities have the ability to deliver reliable , GUARANTEED for a lifetime income, which you’ll need for retirement … they have the ability to be rolled over, a non-taxable event in which you may choose another annuity product from other carriers, or let premium accrue with the same existing carrier, for the benefit of true compounding, and tax-deferred interest!
Annuities also have the ability to withdraw 10% of the accrued account value after year one, providing liquidity and more flexibility than ever.
A pension-like product, annuities will give you peace of mind you’ve built a solid foundation and legacy for not only your retirement, but to leave for your loved ones! That’s the GUARANTEE!
| ANNUITIES | CERTIFICATES OF DEPOST (COs) | STOCKS | BONDS | MUTUAL FUNDS AND ETFs | |
| A choice of income guarantees You can add enhanced lifetime income benefits for a small fee, “enhancement fees”, to capture a greater return from the indexing strategy you choose! | YES | NO | NO | NO | NO |
| Access to your money And allow you to keep control of your money and get access if you need it, hence liquidity and flexibility provided with 10% accrued account values yearly, PENALTY-FREE! | YES | YES | YES | YES | YES |
| Can protect against market loss May offer fix return or principle protection that avoids market downtown | YES | YES | NO | YES (if held to maturity) | NO |
| Guaranteed death benefit Similar to a pension-like plan, annuities can offer a guaranteed death benefit for your beneficiary when you pass away, so your loved ones being protected, and legacy is built! | YES | YES | NO | NO | NO |
| Projected monthly lifetime income One percent guaranteed and predictable stream of payments for life – may be available for both you and your spouse! | YES | NO | NO | NO | NO |
| Tax deferred growth for retirement Beyond what’s provided by a 401(k), similar employer plans or IRAs | YES | NO | NO | NO(though some are tax-exempt) | NO |