Kernersville, NC Financial Services

Preparing for retirement should create excitement, not concern. Yet for many, that’s not necessarily the case.

A recent survey found that 67% of workers don’t have a written retirement plan.¹ To make matters worse, another survey reported 71% of financial planning clients experience “financial anxiety at least half of the time.”²

That’s where we come in.

We use insurance products, such as fixed annuities, and a variety of investment products to help you build financial strategies. From tax-efficient strategies to investment advice to protecting some of your assets — we’ll cover as many bases as possible to help you create a strategy that supports your retirement lifestyle and long-term financial goals.

At Robert Cooper & Associates, we can offer you the following products and services:

Retirement Income Strategies

Unlike the working years, when you’ve likely drawn a regular paycheck, at retirement it’s time to pay yourself. Are you ready to tap into your savings in a strategic way so that you continue to create an income stream you won’t outlive? We can help.

Wealth Management

We offer a suite of services to affluent clients who are looking for a holistic approach to their financial future, all in one place. We’ll help you with comprehensive guidance to help reach the goals and dreams you’ve been envisioning.

Asset Protection Strategies

We keep our eyes on the horizon so you can enjoy your retirement. We’ll design a strategy to help you minimize risk, including the risks of market loss, inflation or liquidity (not having cash accessible when you need it).

Annuities

Annuities are financial tools that can help you create a stream of income that you can’t outlive. But today’s annuities aren’t like those of your parents or grandparents. There are many ways to tailor annuities to fit your needs. We’ll help you compare your options.

Life Insurance

Life insurance can play an important role in an overall financial strategy — both to protect yourself and your loved ones should the unthinkable happen and in some cases to help preserve your assets for future generations.

Investments

Whether you prefer to “set it and forget it,” or you want to more actively participate in your investments, we can help you design an investment strategy that matches your risk tolerance and goals. And we know that risk tolerance changes as life happens — so we plan for that, too.

Tax-Efficient Strategies

Taxes can take a bigger bite out of your retirement income — or your legacy — than you may be expecting. We can help you develop tax-efficient strategies that fit your overall financial plan, so more of your hard-earned dollars go to you and your loved ones.

Long-Term Care

Long-term care can become one of your costliest expenses in retirement. We can help evaluate your situation and determine what kinds of products could fit into a comprehensive long-term care strategy, one that is suited to your needs and circumstances.

IRA/401(k) Rollovers

We can help you evaluate your current IRAs and 401(k)s to determine if a rollover is appropriate for your situation. Whether you’re looking to access the tax-advantaged options a Roth IRA provides, to consolidate accounts or to explore other savings avenues, we can help.

IRA Legacy Planning

How you approach your financial planning today defines what your legacy to your loved ones will look like after you’re gone. We can help you understand and employ strategies to help ensure your assets are passed to those people or causes you love.

We can also refer you to professionals who provide the following services:

• Trusts
• Probate
• Charitable Giving
• Estate Planning
• Tax Planning

Once we understand your financial situation, risk tolerance and investment objectives, we can help you decide which types of products and services fit within your financial strategy.

Insurance products are offered through the insurance business Robert Cooper and Associates, Inc. Robert Cooper and Associates, Inc. is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by Robert Cooper and Associates, Inc. are not subject to investment Advisor requirements.
Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. Investing involves risk, including the potential loss of principal. Robert Cooper & Associates, Inc. is not affiliated with or endorsed by the U.S. Government or any governmental agency.

¹Dawn Allcot. Yahoo. Jan. 3, 2022. “Despite Social Security Covering Just 40% of Retirement Income, Nearly a Quarter of Americans Have No Retirement Plan.” https://www.yahoo.com/video/despite-social-security-covering-just-135209684.html. Accessed May 26, 2022.
²Lorie Konish. CNBC. Feb. 9, 2022. "71% of clients report experiencing financial anxiety. Here’s why financial planners could be missing the signs." https://www.cnbc.com/2022/02/09/financial-anxiety-is-high-why-financial-planners-may-miss-the-signs.html. Accessed May 26, 2022.