Welcome to Gemlife Financial
As you approach retirement, your goals and needs change drastically. You need a Safe Money Retirement Specialist that understands these changes and knows how to provide solutions to these unique challenges.
We work with you one-on-one to design a customized Safe Money Retirement Plan that will help you:
- Create a retirement income stream that you and your spouse never outlive
- Optimize Social Security so you receive every nickel you are entitled to
- Take advantage of little-known retirement tax strategies
Our goal is to bring financial awareness and assist people in taking charge of their financial future so that they can retire comfortably and stress free.
IRA Withdrawals that Escape the 10% Tax Penalty
The list of IRA withdrawals that may be taken without incurring a 10% early penalty has grown.
What Our Kids Can Teach us About Saving Money
Would you guess that Millennials are effectively saving for retirement? Well, they are.
Workers 50+ may make contributions to their qualified retirement plans above the limits imposed on younger workers.
Choosing to bear the financial burden of an adverse event is called self-insuring. Do you know what that entails?
However exciting retiring abroad may sound, it deserves considerable planning.
Building wealth requires protection from the forces of wealth destruction.
Maintaining a healthy lifestyle can help you reduce health-related expenses—and avoid time in the recovery room.
A quick look at how federal income taxes work.
The wise use of credit is a critical skill. These 10 questions will help you assess your skill level.
Estimate the total cost in today's dollars of various mortgage alternatives.
Estimate how much income may be needed at retirement to maintain your standard of living.
Enter various payment options and determine how long it may take to pay off a credit card.
This calculator may help you estimate how long funds may last given regular withdrawals.
This calculator estimates how much life insurance you would need to meet your family's needs if you were to die prematurely.
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
Using smart management to get more of what you want and free up assets to invest.
There are a number of ways to withdraw money from a qualified retirement plan.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
Investment tools and strategies that can enable you to pursue your retirement goals.
The importance of life insurance, how it works, and how much coverage you need.
The chances of needing long-term care, its cost, and strategies for covering that cost.
A visit to the hospital can be painful, for both your body and your wallet. Don’t let it be more painful than it has to be.
In good times and bad, consistently saving a percentage of your income is a sound financial practice.
If you have a family that relies on your income, it’s critical to know what their needs would be in the event of your death.
If you died, what would happen to your email archives, social profiles and online accounts?
Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts.
Why are 401(k) plans, annuities, and IRAs so popular?