Welcome!

Greetings and welcome to my website!

I am a financial services professional dedicated to helping my clients to protect their assets, build wealth, plan for retirement and to leave a legacy to their heirs through the use of innovative insurance products and services.

I have over 12 years of experience in the insurance field as well as a background in banking and finance. I take a consultative approach with my clients and make sure that I look at their total financial picture. I educate as well as advise my clients on the best products and strategies to put in place in order to meet and exceed their financial and retirement goals.

My hope is that the information that I share on this website will help in some small way to make your financial future brighter!

I work with clients in the areas of life insurance and annuities, disability income, long term care, critical illness, medicare advantage & medicare supplement insurance.

I would consider it a privilege if you chose to become one of my clients. For a no obligation needs analysis of your overall insurance needs, contact me here.

Thank you,
Steve Baker

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The Family Retirement Plan

Making the Most Out of Life™

The old expression, “Life is short,” requires perspective to understand. A teenager hearing this thinks you’re crazy and a middle-aged person thinks you’re spot on. The decisions we make — and when we make them — can create a domino effect that can either work for us or against us. Take retirement for example. Many people think that retirement is years away and that there are more pressing needs that must be addressed, but this couldn’t be further from the truth.

The Growing Need for Help

Making The Most Out Of Life
Fewer workers today are covered by employer-sponsored pension plans. Social Security — once considered the foundation of retirement planning — is now projected to replace less of a worker’s pre-retirement income than ever before in history. Consider this fact:

“Social Security replaces about 41% of the average earner’s income at retirement and is forecast to fall to 30.5%.”1

Taxes will also play a vital role in your retirement. When you consider the $56 trillion in unfunded liabilities of the United States government2, and ever-expanding deficits, you begin to realize taxes have only one direction to go. The hope that you’ll be in a lower tax bracket at retirement also looks less likely, and the reality of higher taxes at retirement looks more probable.

You can no longer count on your employer or the government to help you prepare. That means it’s all up to you. The key to retirement planning involves starting early, funding throughout your working years, and staying focused on your plan. Unfortunately what many people think is the “right” way to prepare for retirement — the 401(k) plan — can actually exacerbate your problems.

401(k) Plans Work Against You

The traditional 401(k) retirement plan actually works against you once you retire and start taking income. The reason, all of those dollars you deferred are now taxable and count as ordinary income. This looming tax trap will come at a time that may be devastating to your retirement income, considering that you don’t know what the tax rates will be in future. But there is hope.

The Family Retirement Plan

The Family Retirement Plan helps insulate yourself from the looming tax pressures of traditional plans. This strategy allows you to:

  • Save as much money as you want for retirement
  • The money grows tax-deferred, and
  • When you take income it is all tax free3

Watch this short video and then contact us at the link below:



To learn more about The Family Retirement Plan, and the products best-suited to maximize this strategy, contact us or visit our Family Retirement Plan website.

1 “The Declining Role of Social Security” Just the Facts on Retirement Issues, February 2003
2 “State of the Union’s Finances — A Citizen’s Guide” March 2009
3 When the Family Retirement Plan is properly funded and structured. C10051003