Our Services

FAQs

What is estate planning?

An estate plan, which includes a will and trust, is essential to ensure that your assets are distributed according to your wishes after you pass away. Without one, state laws will dictate how your property is divided, potentially causing delays, added stress for your loved ones, and even disputes. A will outlines who gets what, while a trust can help avoid probate, minimize estate taxes, and provide more control over how and when your assets are passed on. Having an estate plan in place also allows you to designate guardians for minor children and healthcare decisions if you're unable to make them yourself, offering peace of mind for you and your family.

How do you help with retirement?

As you approach retirement, it's important to shift your portfolio toward lower-risk products to protect the wealth you've built over the years. At this stage, you likely have less time to recover from significant losses, so focusing on more stable, income-generating assets can help preserve your capital. Taking a lower-risk approach reduces the chances of market volatility negatively impacting your retirement savings, ensuring a more secure, steady income stream in your retirement years. By balancing growth and stability, you can enjoy your retirement with more confidence and peace of mind.

Can you explain Medicare options?

Navigating Medicare can feel overwhelming, with multiple parts, plan options, enrollment deadlines, and coverage rules that change regularly. Consulting a Medicare expert helps you avoid costly mistakes, such as late enrollment penalties or choosing a plan that doesn’t meet your healthcare needs. An expert can break down complex information, compare plans based on your doctors and prescriptions, and ensure you’re getting the most value for your budget. With personalized guidance, you can make confident decisions and ensure your healthcare coverage truly supports you in retirement.

What life insurance do you offer?

We specialize in providing tailored life insurance solutions, including term life, whole life, and mortgage protection insurance. Whether you're looking for affordable coverage for a specific period, lifelong protection with cash value benefits, or a policy designed to safeguard your home and family, we offer options to fit your needs and budget. Our goal is to help you secure financial peace of mind by ensuring your loved ones are protected; no matter what the future holds.

Why consider long-term care insurance?

Long-term care insurance is important because it helps protect your savings and independence if you ever need extended care due to aging, illness, or injury. Costs for services like in-home care, assisted living, or nursing facilities can quickly add up and aren’t typically covered by Medicare. Without coverage, these expenses can place a heavy financial and emotional burden on you and your family. Long-term care insurance provides a safety net, ensuring you have access to quality care while preserving your assets and giving your loved ones peace of mind.

How do I get started with Stonebridge planning?

Call us at 484-350-4585 or visit 4905 W Tilghman St, Suite 300 to set up a consultation.