Planning for retirement is a complex process. What is your timeframe? How much money will you need to cover daily expenses? Do you want to maintain your current lifestyle or perhaps spend more than you are currently? Where are all of your current holdings and what will the tax consequences be when you begin to make withdrawals? Do you think you will be in a higher or a lower tax bracket when you retire? The time to begin this thinking process is now.

What do you want to do when you retire? Do you want to travel? What will be the monthly expenses of the lifestyle you desire? Are you uncertain of how much money you will have on hand when you want to retire? Do you want to leave a legacy for your family? Planning for your retirement is a multi step process that requires you to really get to know yourself and what type of investor you are. In a world of overwhelming strategies and investment options, CMC Financial Group will collaborate with you to help navigate the course to achieving your financial dreams.


Cash flow in non-working years is imperative – In a volatile market environment, devising a plan that can create stable, lifetime cash flow that shelters your savings from the ups and downs of the market can be achieved through the use of an annuity.  When used in conjunction with other retirement planning tools and strategies, annuities can help you form a solid financial base for your retirement and a sense of control over your financial future. Numerous studies show that retirees who own an annuity report higher confidence in their ability to live the lifestyle they want.

Planning for College

Planning for your children’s college expenses is becoming increasingly challenging as costs continue to rise, and the rules continue to change. There are several options available to meet your needs. We can help develop a strategy what works best within your budget and timeframe to achieve your child’s college education planning goals.


A divorce may cause you to re-evaluate your financial life as you adjust to living on a single income. Financial planning during or immediately following a divorce is a necessary step to financial security. Do you have the financial experience necessary to evaluate what your revised needs will be? Will your child (children) be protected if you die? Will your estate be protected if something happens to you? Options like term insurance may be the best value at this time in your life, to cover your needs and ease your worry, until your income increases. CMC Financial Group can help you navigate this life stage process.

Single Parenthood

If you are no longer around, what happens to your children? Is your estate protected? How about their education? What if you become permanently disabled? Life insurance and disability insurance become more important than ever.

Buying a Home

The cash value on a whole life, universal life or variable life policy can be used for the down payment on a home – did you know that? Also, the death benefit on term insurance can help to make mortgage payments for your family, keeping the roof over their heads in the event of your death.

Owning a Business

What happens to your business if you die? Will it continue to run? Is there a plan in place for ownership, employees, etc? Is there a key man policy on you or your key management person? Do you offer a competitive benefits package to attract and retain the best employees? How about if you do not die, but are permanently disabled? Protect your family and your employees with small business protection.