At Joseph Banks Wealth and Retirement Solutions, we help you find the best life insurance, retirement plans and investment opportunities in safe money markets.

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Medicare does not cover all health bills. So Medicare Supplement policies offered by private health insurers help fill in those gaps: things like co-pays, deductibles for hospitalization and doctor visits. That’s why you’ll hear "Med Supp" called "Medigap." There are a variety of plans — Plan A through N — but each plan is standardized. Every carrier’s Plan F, for example, offers the same benefits. But prices vary by carrier. We are now offering expert advice on all Medicare products. Get your FREE QUOTE today.

"Attention Clients! We're excited to announce that we now offer a 401(k) plan tailored for your employees' financial well-being. Contact us today to learn more and provide this valuable benefit to your team!"

An annuity is an investment product that provides safe, tax-deferred growth of your retirement nest egg. Annuities are considered low-risk, and can provide guaranteed, monthly income when you retire. There are many types of annuities with varying features & benefits. These include: fixed, variable, immediate, deferred & hybrid. We can you help you understand the various types of annuities and debunk any myths you may have heard before you purchase.

Universal Life Insurance (UL) is a cash value life insurance type, popular in the US. Premium payments exceeding the insurance cost are credited to the policy's cash value, accruing monthly interest. Monthly debits cover insurance costs and fees, ensuring cash value growth. Insurer-set interest rates apply, often with a minimum of 2%

Term life insurance offers fixed-rate coverage for a set period. When the term ends, coverage isn't guaranteed, and the client must decide whether to renew, adjust, or forego coverage. If the insured dies during the term, the beneficiary receives the death benefit. It's often the most cost-effective option for significant coverage.

Whole life insurance is the most common type of permanent life insurance policy that people purchase, according to the Insurance Information Institute. Like most permanent life insurance policies, whole life also offers a savings component called 'cash value.' Let us get you a quote today.

There are several ways families pay for college, Unlike a traditional savings or investment accounts which don’t guarantee a payout, you can secure a guaranteed payout of $10,000 to $150,000 with an endowment life insurance policy such as the Gerber Life College Plan. Once the policy matures, you can use the payout money to help cover college expenses – or anything else your child needs for a successful future. The College Plan places no restrictions on how the money is used.

As the name implies, mortgage Protection life insurance, or mortgage protection insurance, is there to repay your mortgage in the event you die or become unable to work. We offer Simplified coverage that does not include any medical exam. Once the policy is Issued the client is also eligible for a living benefit as well. This means that the policy holder doesn't have to die in order to collect He or She can collect up to 90% of the Face amount in the event they become Critical, Chronic or Terminal.

Get a Personalized Quote to See What's Right for You. Coverage From $2000-$50,000. Compare Companies, Rates and Terms to Choose the Best Final Expense Insurance Plan. Let Us help you Plan for your Burial CONTACT US 

TRADITIONAL IRA'S BUILD YOUR OWN RETIREMENT A retirement account which allows you to contribute a certain amount of income every year. The income can be contributed before tax, allowing your money to grow tax deferred. After age 59 ½, withdrawals are treated and taxed as current income. I can help you determine whether a Traditional IRA is right for you, set up and manage the account, and help you manage your income from the account in retirement.

401(K) ROLLOVERMAKING ROLLOVERS SIMPLE Whether you’re starting a new job, combining retirement accounts from previous jobs, or just want an independent option for your 401(k), I'm happy to help. We’ll handle the whole process for you and get you an account that’s easy to understand, contribute to, and manage. CONTACT US

401K PLANS.

SAFE MONEY ANNUITY

UNIVERSAL LIFE

SIMPLE TERM

WHOLE LIFE PERMANENT

COLLEGE PLANNING

MORTGAGE PROTECTION

FINAL EXPENSE/BURIAL

IRA'S

401K ROLLOVERS