Long term planning for asset protection

By Pamela Permar-Shierling

Phillip Kidd answers the questions no one wants to ask.

Phillip Kidd, owner of Phillip Kidd Financial & Insurance Services, has been in business in the Golden Isles for 17 years. Put simply Phillip’s business mitigates risk for his clients and protects his clients’ assets.

Phillip suggests that at retirement one needs to begin to protect assets including property, money, investments, equity in a business as well as generational protection to preserve family wealth for heirs.

The big question we all face at one time or another is ‘what happens if I become incapacitated?’

As a licensed insurance and financial broker Phillip gives his clients the pieces needed to cover all the bases. This includes keeping clients out of a long term care spend down situation.

“It doesn’t matter how much you have in assets,” he said. “You need to protect what you have saved.”

Phillip works with attorneys and CPAs to get the most effective and efficient risk management and financial planning, including trusts and wills, done for his clients.

As a broker Phillip has the flexibility to shop the markets and choose the coverage that is best for his clients. This includes personal and commercial insurance, home, health and life insurance, and car insurance.

“Many times I can save money for my clients. But if I can’t, I will tell them so,” he said.

Phillip is well versed in the ins and outs of medicare as well as medicare supplement insurance and medicare prescription insurance. He finds his clients the insurance that best fits their needs.

His pro bono work benefits the under-served and low income in the Golden Isles. “I can offer Medicaid and financial assistance as well help with QMB and SLB programs. I make sure that a person’s insurance matches the benefits they already have.”

Why struggle with insurance and investment planning or Medicare and Medicaid when you don’t have to. It is easier and frankly, less costly, to let Phillip navigate the options for you.

For information call Phillip at 912-437-5433. Or www.phillipkidd.com