Plan for the Best. Prepare for the Rest.

We help you build a retirement income stream that keeps you steady—no matter what the market does.

Life Insurance Strategies

man, woman and child holding hands on seashore

Leave a lasting legacy with tailored life insurance plans that align with your personal goals.

Fixed Income Solutions

Diversify your portfolio with fixed-income options to hedge against market volatility and ensure consistent returns.

We design strategies that provide you with a steady, reliable income throughout retirement.

Guaranteed Income Planning

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Client Feedback

Discover what our clients say about us.

Legacyhaven Advisors provided excellent service, helping me diversify my portfolio effectively before retirement.

John D.

Palm Beach County, FL

The team at Legacyhaven Advisors helped me navigate my retirement planning smoothly and efficiently.

Sarah K.

Broward County, FL

★★★★★

Frequently Asked Questions

Can I obtain Long Term Care Insurance if I've been denied before?

Yes, there are solutions available that do not require underwriting and that accept every applicant.

When do I start taking RMDs? And what happens if I don't start on time?

Required Minimum Distributions (RMDs) start at age 73 for most retirees. Delaying or mismanaging them can lead to additional excise tax of 25% on the RMD that was supposed to be taken.

What's the benefit of delaying social security?

Delaying social security will ultimately provide greater income every year. If you claim social security at age 62, your yearly benefit will be permanently reduced, about 30% less than if you wait until full retirement age (FRA) age 66/67. The heightened benefit of delaying past FRA age 66/67 to age 70 is that the yearly benefit will increase by 8% until social security is claimed.

Why do people use life insurance for retirement income?

Because it's a tax free asset that is not correlated with the stock market. Whether the strategy is to limit taxable income, or buffer against downturns in the market. The cash values in a properly designed life insurance policy will accomplish that.

Can I withdrawal more then 4% of my portfolio?

Yes you can. If you are actively managing your investments, and managing which accounts you are taking distributions from, it's possible. However there are better ways that do not require as much hands on work, and guarantee withdrawal rates up to 7%

Do annuities really have high fees?

Some do, most do not. I comes down to which annuity. Variable annuities have average fees of 3%-3.5% per year. While MYGAs, Fixed annuities, and Fixed Indexed Annuities have no fees unless a rider is attached.