Resources & Testimonials
Resources
Here you’ll find practical tools, trusted guides, and outside references to help you make confident financial decisions. From protecting your family with insurance coverage to building a secure retirement strategy, these resources are designed to give you clarity, perspective, and actionable next steps.
Protection & Risk
Planning for retirement isn’t just about building assets — it’s also about protecting them. Life insurance, disability coverage, critical illness protection, and accident coverage all play an important role in safeguarding your family’s financial future.
Life Insurance
Life insurance provides financial protection for loved ones in the event of your passing. The three most common types are:
- Term Life – Affordable coverage for a set period (10, 20, 30 years). Best for temporary needs like income replacement.
- Whole Life – Permanent coverage with guaranteed premiums, lifetime protection, and a cash value component.
- Universal Life – Flexible permanent coverage where you can adjust premiums and death benefits.
Disability Insurance
Disability insurance replaces a portion of your income if illness or injury keeps you from working.
- Short-Term Disability – Covers 3–6 months.
- Long-Term Disability – Can provide income until retirement age.
Why it matters: About 1 in 4 of today’s 20-year-olds will experience a disability before retirement (Social Security Administration).
Critical Illness Insurance
Critical illness insurance pays a lump sum if you are diagnosed with a covered serious illness such as cancer, stroke, or heart attack. Funds can be used for medical expenses, mortgage payments, or everyday bills.
Why it matters:
- Every 40 seconds, someone in the U.S. has a stroke (CDC).
- Nearly 40% of Americans will be diagnosed with cancer in their lifetime (National Cancer Institute).
Accident Coverage
Accident coverage provides financial benefits if you’re injured in a covered accident. It often pays cash directly to you to help cover emergency treatment, hospital stays, medical transportation, or even everyday expenses during recovery.
Why it matters:
- The National Safety Council reports that every 3 seconds, someone is injured in a preventable accident in the U.S.
- Common accidents include falls, motor vehicle crashes, and household injuries — risks that affect people of all ages.
Retirement Planning
Building a strong retirement plan means combining smart saving, careful investing, and strategies to turn your savings into dependable income. These resources can help guide you.
Monthly Retirement Budget Worksheet
A budget helps you see where your money goes and whether your income sources can cover your lifestyle in retirement. Tracking fixed and variable expenses makes it easier to plan ahead.
Types of IRAs
Individual Retirement Accounts (IRAs) offer tax advantages that can help you grow your savings:
- Traditional IRA – Tax-deductible contributions; withdrawals taxed in retirement.
- Roth IRA – Contributions made after tax; qualified withdrawals are tax-free.
- SEP & SIMPLE IRAs – Designed for small businesses and self-employed individuals, with higher contribution limits.
IRA Rollovers
An IRA rollover lets you move money from a 401(k) or other retirement account into an IRA without losing tax advantages. The safest method is a trustee-to-trustee transfer. Be cautious of the 60-day rule if funds are paid to you directly.
Income Annuities
An income annuity can provide guaranteed lifetime payments, helping reduce the risk of outliving your savings. They can serve as a “personal pension” and bring peace of mind when paired with other retirement income sources.
Stock Market & Investing
Investing in the stock market can help your retirement savings outpace inflation, though it comes with volatility. Diversification — spreading your money across different asset classes — helps manage risk.
IRA Rollovers
An IRA rollover lets you move money from a 401(k) or other retirement account into an IRA without losing tax advantages. The safest method is a trustee-to-trustee transfer. Be cautious of the 60-day rule if funds are paid to you directly.
Income Annuities
An income annuity can provide guaranteed lifetime payments, helping reduce the risk of outliving your savings. They can serve as a “personal pension” and bring peace of mind when paired with other retirement income sources.
Ready to Take the Next Step?
These resources are a great starting point, but your financial plan should always reflect your unique goals and circumstances. If you’d like help applying these ideas to your own situation, I’d be happy to guide you through the next steps. Feel free to reach out to schedule a conversation — together we can build a plan that protects what matters most and gives you confidence for the future.
Testimonials
“Partnering with this company was one of the best decisions we’ve made for our business. They created a benefits package that fit perfectly within our budget while delivering incredible value to our team. The difference in morale and appreciation has been remarkable. If you want to attract, retain, and truly take care of your people, reach out to them — they’ll make it happen.”
“I have worked with Cynthia since 2019 . Invested in New York life annuities and an IRA. I have been very pleased with her professionalism.”
“I had the pleasure of working with Cynthia Barreira to secure a life insurance policy that truly meets my needs and gives my family peace of mind. From our first conversation, she was incredibly knowledgeable, patient, and genuinely interested in helping me understand my options. She took the time to explain every detail and answer all of my questions, no matter how small.
What really stood out was Cynthia’s attentiveness and sincere dedication to finding the best policy at the right price. I never felt pressured — only supported. It’s clear Cynthia genuinely cares about her clients and their long-term well being.
Thanks to Cynthia, I now have the security of knowing my loved ones will be protected, no matter what. I highly recommend Cynthia to anyone looking for trustworthy, professional guidance in life insurance.”
“Working with Cynthia has been one of the best decisions my wife and I have made in regards to our financial future. Cynthia took the time to understand our goals and concerns and explained the concept in simple and relatable terms that made us comfortable making the relevant decisions. Thanks to Cynthia’s guidance we feel we have made significant progress toward our financial goals and securing our future.”
“I would like to take a moment to share my experience with Ginger Brewer who has been absolutely outstanding in her role overseeing gap insurance. From the very beginning, she has gone above and beyond to make the process smooth and stress-free. What really stands out about her is not only her knowledge and professionalism, but also her patience and willingness to always be there when I have a question or need clarification.
No matter how big or small the concern, she has taken the time to explain things thoroughly and in a way that is easy to understand. I never once felt like I was left in the dark or had to figure things out on my own—she made sure I was supported every step of the way. Her responsiveness, kindness, and genuine care for her clients truly set her apart.
It’s rare to come across someone who combines such expertise with such compassion, and I am beyond grateful for all the help she has provided me. She has turned what could have been a stressful process into something simple, manageable, and even reassuring. I can confidently say that she is a true asset, and I highly recommend her to anyone in need of guidance with gap insurance.”
“I had the pleasure of working with Cynthia Barreira to secure a life insurance policy that truly meets my needs and gives my family peace of mind. From our first conversation, she was incredibly knowledgeable, patient, and genuinely interested in helping me understand my options. She took the time to explain every detail and answer all of my questions, no matter how small.
What really stood out was Cynthia’s attentiveness and sincere dedication to finding the best policy at the right price. I never felt pressured — only supported. It’s clear Cynthia genuinely cares about her clients and their long-term well being.
Thanks to Cynthia, I now have the security of knowing my loved ones will be protected, no matter what. I highly recommend Cynthia to anyone looking for trustworthy, professional guidance in life insurance.”
Testimonials
“Partnering with this company was one of the best decisions we’ve made for our business. They created a benefits package that fit perfectly within our budget while delivering incredible value to our team. The difference in morale and appreciation has been remarkable. If you want to attract, retain, and truly take care of your people, reach out to them — they’ll make it happen.”
Susan Bentley
“I have worked with Cynthia since 2019 . Invested in New York life annuities and an IRA. I have been very pleased with her professionalism.”
Paul Royster
“I had the pleasure of working with Cynthia Barreira to secure a life insurance policy that truly meets my needs and gives my family peace of mind. From our first conversation, she was incredibly knowledgeable, patient, and genuinely interested in helping me understand my options. She took the time to explain every detail and answer all of my questions, no matter how small.
What really stood out was Cynthia’s attentiveness and sincere dedication to finding the best policy at the right price. I never felt pressured — only supported. It’s clear Cynthia genuinely cares about her clients and their long-term well being.
Thanks to Cynthia, I now have the security of knowing my loved ones will be protected, no matter what. I highly recommend Cynthia to anyone looking for trustworthy, professional guidance in life insurance.”
Laura Hash Neiman
“Working with Cynthia has been one of the best decisions my wife and I have made in regards to our financial future. Cynthia took the time to understand our goals and concerns and explained the concept in simple and relatable terms that made us comfortable making the relevant decisions. Thanks to Cynthia’s guidance we feel we have made significant progress toward our financial goals and securing our future.”
Mark Finney
“I would like to take a moment to share my experience with Ginger Brewer who has been absolutely outstanding in her role overseeing gap insurance. From the very beginning, she has gone above and beyond to make the process smooth and stress-free. What really stands out about her is not only her knowledge and professionalism, but also her patience and willingness to always be there when I have a question or need clarification.
No matter how big or small the concern, she has taken the time to explain things thoroughly and in a way that is easy to understand. I never once felt like I was left in the dark or had to figure things out on my own—she made sure I was supported every step of the way. Her responsiveness, kindness, and genuine care for her clients truly set her apart.
It’s rare to come across someone who combines such expertise with such compassion, and I am beyond grateful for all the help she has provided me. She has turned what could have been a stressful process into something simple, manageable, and even reassuring. I can confidently say that she is a true asset, and I highly recommend her to anyone in need of guidance with gap insurance.
“
Sanela Stiltner
“I had the pleasure of working with Cynthia Barreira to secure a life insurance policy that truly meets my needs and gives my family peace of mind. From our first conversation, she was incredibly knowledgeable, patient, and genuinely interested in helping me understand my options. She took the time to explain every detail and answer all of my questions, no matter how small.
What really stood out was Cynthia’s attentiveness and sincere dedication to finding the best policy at the right price. I never felt pressured — only supported. It’s clear Cynthia genuinely cares about her clients and their long-term well being.
Thanks to Cynthia, I now have the security of knowing my loved ones will be protected, no matter what. I highly recommend Cynthia to anyone looking for trustworthy, professional guidance in life insurance.”