Take the first step towards protecting your family.

Explore how our tailored strategies and solutions can help you reach your financial goals.

Our Financial Services

 

Personalized Financial Strategies

Life changes, and so should your financial plan. At Sirmoneymoves Inc., we help individuals, families, and entrepreneurs create strategies tailored to their unique needs and goals. We’ll walk with you every step of the way, helping you build, protect, and grow your wealth through:

  • Financial Needs Analysis

  • Goal Setting & Planning

  • Customized Wealth-Building Strategies

 

Insurance Solutions

 

Every family and business faces unique challenges, and the right insurance can make all the difference. Our solutions are designed to provide protection, peace of mind, and long-term security. We specialize in:

  • Life Insurance (Term, Whole Life, IUL)

  • Living Benefits & Riders

  • Business Owner Protection Strategies

 

Retirement Planning

 

Your retirement should be built on confidence, not uncertainty. Whether you’re just getting started or refining your current plan, we’ll help you design a strategy that aligns with your goals and desired lifestyle. Solutions may include:

  • Indexed Universal Life Insurance (IUL) for retirement income

  • Annuities & income strategies

  • Tax-efficient wealth-building plans

 

Business Owner Strategies

 

Entrepreneurs need more than hard work to succeed—they need protection and structure. We help small business owners strengthen their foundation and protect what they’ve built. Services include:

  • LLC Formation & Business Structuring

  • Key Person & Buy-Sell Insurance

  • Business Continuation Planning

 

Estate Planning Support

 

You’ve worked hard to build your wealth—we’ll help you protect it for future generations. Through partnerships with trusted legal professionals, we can guide you in:

  • Living Trusts & Estate Planning

  • Wealth Transfer Strategies

  • Charitable Giving Plans

 

How Much Life Insurance Do You Need?

When it comes to life insurance, there’s no true one-size-fits-all solution. The right type and amount of coverage depends on your unique situation, including:

  • Age

  • Health

  • Income and overall financial picture

  • Number of dependents

Your needs may also change over time. Major life events—such as getting married, having children, going through a divorce, or an increase in income—can all impact the kind of policy that best fits you.

As a general guideline, many experts recommend having coverage equal to about 10 times your annual household income. For instance, if your household earns $50,000 per year, you may want to consider around $500,000 in life insurance protection.

42%

of American adults say they need life insurance or more of it.

56%

of households earning under $50,000 per year have a life insurance need

102 million

American adults have a life insurance need-gap

 

Types of Life Insurance

Life insurance comes in many forms to fit different budgets, lifestyles, and financial goals. Some individuals may need coverage for a set period, while others require long-term protection with added flexibility. At Sirmoneymoves Inc., our experienced agents work closely with clients to find policies that align with their needs and budget. Let us help you find the right plan to safeguard your future. 

Two of the most common types of life insurance are term life insurance and permanent life insurance.

What is Really the Best Life Insurance?

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Term Life Insurance


Term life insurance offers individual life insurance protection for a specified number of years (i.e., term). This type of insurance is usually less expensive than permanent insurance with the same face value. However, term insurance does not accumulate cash value.

Permanent Life Insurance


Permanent life insurance, including whole life coverage, remains in effect until the policyholder’s death as long as the premium payments are made, unless the policy lapses or is surrendered. Most permanent life insurance policies also have some type of savings component that can build cash value over the life of the policy.

So, What Type of Life Insurance Should you Get​?

Each insurance type has a different purpose so that the best choice will depend on your budget and health situation. Generally speaking, if you're looking for affordable coverage for a specific time frame, term life insurance is usually the way to go. If you want to guarantee coverage for life and build cash value, whole life or universal life might be better, depending on your preference for flexibility or fixed premiums. If you’re still unsure which plan is best for you and your family, connect with WFG. Life insurance is one of our specialties, so one of our agents will gladly walk you through your options.

Frequently Asked Questions

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