Empowering Your Future with
Secure insurance and investments
At American Atlantic LLC, we are dedicated to helping individuals
and business owners in the USA tackle their most pressing financial challenges.
Unlock Financial Security With our Expert Guide
Read our comprehensive guide to discover the immense value of our tailored insurance and investment strategies. Seize the opportunity to secure your financial future now.
Comprehensive Financial
Planning Services
Our comprehensive financial planning services are tailored to meet the unique needs of individuals and business owners in the USA. We focus on secure insurance and investments to help you manage your finances and plan for retirement with confidence. Our team of experts is dedicated to providing solutions that align with your financial goals.
Our Services
Asset Protection
Retirement doesn’t mean that it’s time to stop growing. The same holds true for your money. It should mean, however, that it’s time to stop taking unnecessary risk.
We specialize in helping retirees protect their retirement assets while continuing to move forward. Give us a call and ask about our Revocable Living Trusts.
Family Legacy Planning
Many of our clients want to leave a legacy for their children and grandchildren and are shocked to learn how easy it is to double, even triple their inheritance, TAX-FREE AND GUARANTEED!
We also work with our clients and help them embrace their own mortality and be prepared for the loss of a spouse and the income burdens this can often create.
Extended Care Solutions
Long-term care/extended care costs have gone up substantially in the last 10 years. Unfortunately, the statistics are not in our favor, and a plan to address these costs should be included in every retirement strategy.
The good news is we work with hybrid insurance plans that leverage your dollar in case you need it for extended care, but remain 100% accessible for withdrawal if you don’t.
Retirement Income
Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. It’s very likely to spend 30 years or more living in retirement without earned income.
We create a customize retirement income plan an annuity, encompassing all sources of income, for each one of our clients and no two plans are exactly alike. Let us get to work on an annuity plan for you.
Spend Down Protection
Protection Against using Home Spend Down
KNOW YOUR OPTIONS
Medicaid is a program that helps pay for medical assistance for certain individuals and families with low incomes and resources. This program became law in 1965 and is jointly funded by the Federal and State governments (including the District of Columbia and the Territories) to assist States in providing medical long-term care assistance to people who meet certain eligibility criteria.
Medicaid is the largest source of funding for medical and health-related services for people with limited income. It is health insurance that helps many people who can’t afford medical care pay for some or all of their medical bills. Good health is important to everyone. If you can’t afford to pay for medical care right now, Medicaid can make it possible for you to get the care that you need so that you can get healthy – and stay healthy.
Medicaid is available only to certain low-income individuals and families who fit into an eligibility group that is recognized by federal and state law. Medicaid does not pay money to you; instead, it sends payments directly to your health care providers. Depending on your state’s rules, you may also be asked to pay a small part of the cost (co-payment) for some medical services.
BE PROTECTED
We understand the important role that Medicaid plays in the lives of so many retirees. That is why we have gone to great lengths to protect retirees by teaching and guiding them through the different options.
Guaranteed Income
Earn A Guaranteed Income
As a retiree, you want to accumulate wealth, in order to:
- Take care of your continual needs – for all of retirement
- Pass on as much as possible to your intended heirs
STRATEGIES FOR LIFETIME INCOME PLANNING
Through the following three strategies, you are able to accumulate wealth, while passing on as much to your intended heirs.
- Annuitization: This is the process of projecting how long you will live and then justifying how much you can take out – without outliving your income.
- Tiering: Setting aside money for income now and income later – always replacing what you spent.
- Forever Pay: The process of receiving a guaranteed income for your lifetime.
These strategies could greatly improve your lifestyle! Call or email us today and request your free, no obligation analysis.
Save on Taxes
Inform Yourself & Save on Taxes
BE INFORMED
The United States of America is the greatest country in the world! She has earned her freedom! It takes a lot to keep her thriving and it is our duty as citizens to pay our fair share of taxes. But as we save for our future, we want to make sure that we minimize our tax liability.
SAVE ON TAXES
We understand that every cent in your retirement account is precious and we have ways to maximize your return while keeping your tax liability to an absolute minimum.
THE QUESTION
Who do you think pays more in taxes?
- The informed or
- The uninformed
THE ANSWER
Of course, the uninformed pays more in taxes. It is simply because the informed know how to use every opportunity, given to us by the IRS, to save money on taxes.
If you are interested in becoming INFORMED, be sure to talk with us for a complete explanation. For information on how this great concept can benefit you.
Probate Protection
Protect Yourself From Probate
PROBATE: WHAT IS IT & WHAT DOES IT DO?
Probate is the process that transfers legal title of property from the estate of the person who has died (the “decedent”) to his or her proper beneficiaries.
The term “probate” refers to a “proving” of the existence of a valid Will, or determining and “proving” who one’s legal heirs are if there is no Will. Since the deceased can’t take it with him, probate is the process used to determine who gets his or her property.
Even if a person dies with a Will (which is known as dying in “testate”), a court generally has to have an opportunity to allow others to object to the Will, and if there are any objections, to determine if the Will is valid, because it is always possible that one of the following seven items have occurred.
POSSIBLE OBJECTIONS TO A WILL
- There was a later Will (which, if valid, would replace the older Will), or
- The Will was made at a time the deceased was not mentally competent to make a Will, or
- The Will was the result of fraud, mistake or “undue influence” or
- The Will was not properly “executed”, or
- The so-called Will is actually a forgery, or
- For some other reason (such as a pre-existing contract) the Will is not fully valid, or
- There are other claims against the deceased’s estate that impact what the beneficiaries under the Will would receive
DETAILS ABOUT PROBATE
There are many reasons why going through probate is very undesirable.
Four of the most obvious are:
- Cost
- Time
- Public
- Contestable
Rollover each of the 4 above to read more about them. These strategies could greatly improve your lifestyle! Call or email us today and find out how.
This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. Please consult with a professional specializing in these areas regarding the applicability of this information to your situation.
Smart Giving
Smart Giving: Give Without Giving Up
OBJECTIVE
Create an additional income stream for you without liquidating or putting “at risk” any of your assets. At the same time, providing to a charity an income stream of $50,000 to $500,000 each year without depleting the estate.
Your heirs still receive the entire estate!
CONCEPT
- Use your assets to purchase a SPIA (Single Premium Immediate Annuity.)
- Use the SPIA to generate an annual income for you which was not previously available.
- Purchase a life insurance policy to cover the loan against the assets, and provide a substantial payout to the charitable beneficiary upon death or maturity date.
Life for the Living
Life Insurance- so much more than a death benefit
It can provide for a Tax-Free income stream!
Life Insurance is a cutting edge solution for most individuals or businesses. It offers many benefits that are not offered with traditional plans. Which plan is the right plan for you? Let’s compare traditional retirement plans with Life Insurance.
SOLUTIONS
It can plainly be seen that traditional plans may not be the best solution for your company or employee’s retirement needs. For businesses, the benefits for Life Insurance far outweigh the benefits for the traditional plans.
If you are interested in offering Life Insurance for your employees or just yourself. We appreciate your interest and look forward to working with your company.
Books
Our comprehensive insurance and investment solutions are designed to secure your financial future, manage your finances effectively, and plan for a comfortable retirement. Let us guide you towards a more secure tomorrow
Building Financial Fences
By: Mark Wagner
On a farm, you build fences to protect what matters to you. It is the same with our financial lives. We need fences that will protect the resources we value and keep influences away that will deplete the assets. In Building Financial Fences, Mark Wagner will help you build confidence in your retirement planning.
LIfe's Final Gate
By: Mark Wagner
One of life’s most difficult experiences is the passing of someone you love. It can be painful, fearful, and confusing. Knowing what to expect won’t make it any easier, but preparing yourself will soften the blow and raise your confidence for the myriad of decisions you will face. Life’s Final Gate will help you.
Don't Worry, Retire Happy
By: Tom Hegna (with contributions from Mark Wagner)
You’ve read Mark Wagner’s Building Financial Fences, and now that your cash cow is secure, you want to remain content while learning more strategies. Look no further than Don’t Worry, Retire Happy to ensure your fences are keeping your investments safe!
Tailored
Insurance Solutions
We offer tailored insurance solutions designed to protect what matters most to you. Whether you’re an individual or a business owner our policies are crafted to provide maximum coverage and peace of mind. Trust us to secure your assets and safeguard your future.
Expert Investment Strategies for businesses
Our expert investment strategies are designed to help businesses grow and thrive. We offer personalized investment advice that aligns with your business goals, ensuring sustainable growth and financial stability. Let us be your partner in success.
Client Testimonials
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My Mother was concerned that my brother was disabled, would not be eligible to be a beneficiary of her trust. Mark was able to set up her trust to provide for him after her death, giving my mom peace of mind.
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I have asked American Atlantic, LLC to help provide the service that you expected when you obtained your estate plan. I stand behind that service to my clients.
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We have worked with Mark Wagner, agent and notary. His continued support and service has been a great comfort in satisfying the death claim settlement and making sure that my mom had an income stream for the rest of her life.
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Mark Wagner has continually met our demands and has exceeded our expectations. I would Highly Recommend him to anyone that may have a need or interest in forming a family trust through his alliance program with local attorneys and CPAs to assist in legal or tax advice.
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American Atlantic LLC, based in Girard, Ohio, is a comprehensive provider of insurance and investment services. We offer a wide range of financial planning, insurance, and investment solutions across the USA, serving clients from coast to coast.
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