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ST Financials Services
Life and Family Insurance
There are two main types of life insurance: Term life and Permanent life. Term life insurance provides coverage for a defined period. Basic term life insurance lengths are 10, 20, 30, or 35 years.Retirement Planning
Longevity can impact retirement planning. Diversified strategies including retirement accounts, investments, pension, social security payment, etc. can help with proper planning. We can help with financial planning for meeting your retirement goals with new world strategies.College Planning
College tuition and expenses are one of the biggest financial burdens for students and parents. The cost of college has steadily increased over the years. People rely on different funding sources to help support kids' college.Annuities
An annuity is a written contract typically between you and a life insurance company in which the insurance company makes a series of regularly structured payments to you in return for a single large premium or series of premiums you have paid into the contract.Tax Optimization
We offer tax optimization strategies that include tax diversification opportunities and help minimise potential taxes in the future when the tax climate may be adversely impacted by future tax hikes.Mortgage Protection Insurance
AMortgage Protection Insurance (MPI) is a type of insurance policy that helps your family make your monthly mortgage payments if you, the policyholder and mortgage borrower die before your mortgage is fully paid off.Health Insurance
Long Term Care
Help with obtaining coverage that provides nursing-home care, home-health care, and personal or adult daycare for individuals age 65 or older or individuals with a chronic or disabling condition that needs constant supervision.Medicare Advantage & Supplements
Medicare Advantage (Part C) and Medicare Supplement plans help pay for costs that are not covered by Original Medicare (Parts A and B). The two types of coverage are different, and you can’t have both at the same time.Affordable Care Act Plans
If you want to buy your own health insurance for yourself and your family, the health care Marketplace (also called the Exchange) is where Affordable Care Act (ACA) health plans are sold. We help with ACA plans that provide affordable health plan options for you and your family.Travelers Insurance
We help with travel insurance that provides medical coverage while traveling outside of your home country.Estate Planning and Legacy (Will & Trust)
Estate planning is fundamentally a process of making plans for the management and transfer of assets or estate upon a person’s death or in the event of incapacity. It also involves the authorization of a
- Power of Attorney for authorizing a person (the attorney-in-fact) to make financial decisions, property decisions or medical decisions for you.
- Healthcare Surrogate Designation or Health Care Power of Attorney for naming a person to make healthcare decisions for you when you are no longer able to do so.
Free Financial Health Check
Our goal is to create wealth & build net worth for people we work with. For every individual and family we work with,we focus on understanding their needs, suitability and affordability when presenting opportunities for their financial immediate and long-term planning. Our partnership with the best financial institutions help us bring the best of the opportunity for people to help with their needs
Business Opportunity
Many dream of building their own business but often don’t pursue it because of the “Fear of Failure” or “Lack of Experience” or “Lack of investment”. If you are one of those individuals who is enterprising, ambitious and has a dream of building your own business or alternatively would like to supplement your income, you are in the right place. We offer a low-risk business opportunity in the rich financial industry. Importantly, you don’t need any prior experience. You can begin your entrepreneurial dream part-time with the ability to go full-time in the business. Over the years, we have helped people from diverse backgrounds to build a business that can exponentially increase their family’s financial, emotional and mental capital. We offer you the same chance to build a less stressful, more satisfying career that will help build a richer life. Please book your appointment to learn more about the opportunity.
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