Designed for LifePersonalized plans to meet your needs.
Financial consultant in Manhasset, NY (show on map)
Personalized financial plans to meet individual needs, offering insured income, asset allocation, monthly income solutions, and guidance on Medicare and Social Security.
Wellbeing Financial is a dedicated financial service organization focused on partnering with clients to manage wealth and solve financial problems. Services include insured income solutions to cover basic needs, asset allocation strategies tailored to individual comfort zones, monthly income planning, investment strategies to make money work for clients, and comprehensive guidance on Medicare and Social Security programs.
Personalized financial planning
Comprehensive insured income solutions
Expert guidance on Medicare and Social Security
Services
Insured Income
Provides a reliable steady stream of income to cover basic needs, reducing the risk of outliving savings through annuities.
Guaranteed income streamReduces risk of outliving moneyLiberates clients to focus on enjoyment and important activities
Asset Allocation
Designs investment strategies within the client's comfort zone to balance risk and return.
Tailored to individual risk toleranceOptimizes portfolio for long-term growthProvides a balanced approach between safety and opportunity
Monthly Income
Creates a consistent income stream to cover basic living expenses and other recurring costs.
Ensures coverage of essential monthly expensesReduces financial stressProvides predictability in cash flow
Making Money
Investment strategies to grow wealth and achieve financial goals.
Capital appreciationDiversified investment approachAlignment with client objectives
Medicare and Social Security Guidance
Expert advice on navigating Medicare and Social Security programs to maximize benefits.
Comprehensive program overviewPersonalized benefit analysisStrategic enrollment planning
Credentials & Certifications
LPL Financial Registered Representative
FINRA/SIPC Member
Frequently Asked Questions
What is insured income? +
Insured income is a way to transfer the risk of outliving your money to an insurance company by purchasing an annuity. By allocating a portion of your resources to produce income that covers basic needs, you reduce the chance of running out of money. Fixed and variable annuities are suitable for long-term investing, such as retirement, with gains taxed as ordinary income upon withdrawal. Guarantees depend on the issuing company's claims-paying ability. Withdrawals before age 59½ incur a 10% IRS penalty, and surrender charges may apply. Variable annuities involve market risk and may lose value.
Will I be at the whim of the market? +
Fixed annuities generally offer a guaranteed rate of return, while variable annuities may involve market risk. Some variable annuities include riders that protect your income while allowing participation in potential market growth, though these may have additional fees and restrictions. Guarantees are based on the issuing insurance company's claims-paying ability.
What if my account loses value and I unexpectedly pass away before I begin taking income? +
You determine how funds will be distributed upon unexpected death. Some annuities guarantee payments for a set period or lifetime, while others provide a lump sum death benefit to beneficiaries. Reviewing contract terms carefully before purchase is essential.
