Planning for Retirement: Secure, Smart, and Risk-Free Solutions

🔒 Independent. Transparent. Focused on You. Your financial future deserves more than a sales pitch.

 

The greatest financial risk retirees face today is outliving their savings. Many recognize this challenge and turn to investment options with high growth potential. However, with greater rewards come greater risks—and market volatility can put your financial future in jeopardy.

Your retirement should be secure, predictable, and worry-free. Let us help you build a strategy that safeguards your future while maximizing financial stability.

At Cardinal Financial and Insurance Group, we offer a comprehensive suite of retirement solutions, but our primary focus is on safe money alternatives—products designed to provide guaranteed growth with little to no risk exposure. These include:

✔️ Life Insurance – Ensures financial security while offering potential cash value accumulation.
✔️ Annuities – Provides guaranteed income for life, protecting you from market downturns.

Retirement planning is not just a choice—it’s a necessity. While many individuals begin planning seriously within 10 years of retirement, the most successful strategies start much earlier.

A Hassle-Free Way to Secure Your Future

Why Choose Cardinal Financial and Insurance Group

A Different Approach to Financial Protection

✅ Client-Centered Service – Your needs come first, not sales figures.


✅ Independent & Unbiased Advice – Our only goal is your long-term success.


✅ Custom Strategies – Tailored solutions to protect and grow your wealth.


✅ Legacy Planning – Ensuring your heirs and future generations are well cared for.

✅ Your Interests Come First – No sales quotas, just strategic, client-focused planning.


✅ Independent & Transparent – Every recommendation is made with your long-term success in mind.


✅ Tailored Financial Strategies – Designed to align with your unique goals and aspirations.


✅ Proven Expertise & Integrity – A trusted partner in securing your financial future.

🤝 A Seamless, No-Obligation Process

🔒 Plan Smarter. Retire Confidently. Let’s secure your future together.

  1. 📌 Your Most Important Retirement Questions—Answered

Planning for retirement comes with many uncertainties. At Cardinal Financial and Insurance Group, we help you find clarity and confidence in your financial future.

 

💰 How much do I need for retirement?
📅 When can I retire?
📈 What financial products or solutions should I explore?
🏦 How long do I need retirement income?
🏡 How can I efficiently transfer a legacy to the next generation?
🔎 Is an annuity right for me?
🛡️ What types of life insurance meet my objectives?
💼 How does my 401(k) or IRA factor into my retirement plan?

✅ Personalized Financial Guidance Awaits

 

No two retirement plans are the same. Our independent, client-focused approach ensures that your strategy is built around your unique goals and lifestyle needs.

📞 Schedule a Free Consultation
📊 Explore Retirement Strategies
💬 Speak with an Expert

📅 Retirement Timeline: Key Milestones to Plan For!

 

We know choosing the right financial partner is a significant decision. That’s why we offer a transparent and stress-free approach. Whether you choose to implement our strategies with us or navigate your financial journey independently, we provide the professional insights you need to make informed, confident decisions.

 

This guide helps you strategize with an insurance professional for a secure retirement.

 

🔹 Age 50: Increase Retirement Savings
➡️ Contribute up to $18,000 + $6,000 in catch-up to your 401(k) (if allowed by employer).

🔹 Age 55: Penalty-Free 401(k) Withdrawals
➡️ If you retire at 55+, you can withdraw from your 401(k) without the 10% penalty (income tax still applies).

🔹 Age 59½: Penalty-Free IRA Withdrawals
➡️ Traditional IRA withdrawals taxed as income; Roth IRA withdrawals tax-free if held for at least five years.

🔹 Age 62: Social Security Eligibility
➡️ You can start receiving Social Security benefits but taking them early reduces your monthly amount.

🔹 Age 65: Medicare Enrollment Begins
➡️ Your initial Medicare enrollment period starts three months before and after your 65th birthday. Visit medicare.gov for details.

🔹 Age 70: Maximize Social Security Benefits
➡️ If you delay Social Security until 70, you receive higher benefits. No additional increases after 70.

🔹 Age 73: Required Minimum Distributions (RMDs) Begin
➡️ Start taking RMDs from traditional IRAs and retirement accounts, which are taxed as ordinary income.

 

💡 Plan ahead and make the most of your retirement! 💰 

See our Insurance Partners

 

Contact Us



Location

Cardinal Financial and Insurance Group
Cary, North Carolina, United States

14000 Burbage Circle Suite 141, Cary, North Carolina, United States

Phone: (919) 357-6971