Bill Morris
Bradenton, FL
Phone:
941-927-1050
Fax:
941-927-1070
E-mail:
SARASOTA FINANCIAL & SFG FEDERAL
Welcome to Sarasota Financial Group, Inc. and SFG Federal both owned and operated by William S. Morris, an investment advisor with over 40 years of experience in the financial industry.
From the institutuional trading desk on Water Street in New York City to a local bond trader on the floor of the Chicago Board of Trade.
GOVERNMENT CONTRACTING
DUNS Number: 128940819
CAGE Number: 84R68
SFG Federal is contracted with the Government to conduct educational breifings and pre retirement workshops for Federal Agencies and their Associations on employee benefits. Bill is a Chartered Federal Employee Benefits Consultants (ChFEBC) and teaches courses on Retirement Income
Planning, Government Pensions, Survivor Benefits, Federal Employee's Group Life Insurance (FEGLI) and the Thrift Savings Plan (TSP) for Employees. Regardless if your just getting started with the Goverment or your planning on retiring over the next several years, our Federal Benefit Analysis will help you reduce your expenses today and maximize your pension when you retire. It is especially designed to assist you in selecting the most appropriate time to retire and help guide you through your golden years.
5 Advanced Strategies
in Federal Planning
PremiumLife™ Toolbox is a Strategy provides our clients the advantage of building and protecting their assets for them and the well-being of their family.
It offers the opportunity to create tax-free retirement income, protect against downside market risk and create a legacy through a high-value life insurance policy.
THE PREMIUMLIFE™ is designed to Protect your Family. Achieve your Goals. Maximize your Legacy. Live the Premium Life and Leave a Legacy.
SFG's LTC Toolbox, is a guide to alternative approaches to funding your Long Term Care needs. In recent years, the long-term care insurance (LTCI) marketplace has evolved beyond traditional LTC insurance coverage to include combination plans that link life insurance and LTC insurance together. These products are called many different things (linked benefits, asset-based LTC, combo products, etc., but we're referring to them as Hybri-Life/LTC insurance products.
Sarasota Financial Group, Inc. has a proven community outreach program for seniors living in Assisted Living Facilities and Independent Communities educating retirees and veterans, on Hybrid Long Term Care and the VA's Aid and Attendance benefits. One of the biggest fears that many seniors have today is the fear of having their life savings wiped out if they should end up needing care at home, in an assisted living facility, or a nursing home. In fact, according to the U.S. Department of Health and Human Services, at least 70% of all people over age 65 will need longterm care services at some point during their lifetimes!
Did you know that you may NOW BE ELIGIBLE to protect your assets under federal law and use tax-free dollars to pay for longterm care expenses, without having to "spend down" all of your personal assets?
SFG's Income Toolbox is at the core of our practice, it is an Innovative Tax and Structured Income Planning System. We generate multiple solutions that will show the impact of income optimization, tax liability, inflation, target changes, and investment strategies, including income riders to show the impact that might have. By utilizing our Income Under Management, we've been able to increase annual income in non-investment vehicles up to 40%. We then review solutions and then test them for survivorship, lifestyle changes, wealth transfer and inheritance modeling, long term care and other health issues. Identify and address gaps.
We hope your visit will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation. We have created this website to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning, and wealth preservation. Most important, we hope you see the value of working with skilled professionals to pursue your financial goals
We're here to help educate you about the basic concepts of financial management; to help you learn more about who we are and to give you fast, easy access to market performance data. We hope you take advantage of this resource and visit us often. Be sure to add our site to your list of "favorites" in your internet browser. We frequently update our information, and we wouldn't want you to miss any developments in the area of personal finance.
INCOME PLANNING TOOLBOX
Sarasota Financial Group has over 40 years of financial industry experience, specializing in Innovative Tax and Structured Income Planning. We review solutions and then test them for survivorship, lifestyle changes, wealth transfer and inheritance modeling, long term care and other health issues. Identify and address gaps.We have access to powerful tools to compare income riders on VA's and FIA's. We also have CANNEX to compare SPIA's. We can generate multiple solutions that will show the impact of income optimization, tax liability, inflation, target changes, and investment strategies, including income riders to show the impact that they might have. Income Under Management™ (IUM) is the process of increasing your income by calculating the maximum lifetime withdrawals from a simplified index accumulation annuity. The withdrawal amount can be re-calibrated whenever the contracts resets to ensure you always enjoying the largest annual income based on your own needs. IUM can increase annual income up to 40% without account-draining income riders.
LTC TOOLBOX
*Alternative Asset-based Hybrid LTC* Insurance Options to Fit Your Needs.Did you know that you may NOW BE ELIGIBLE to protect your assets under a Federal law* and use Tax-Free** dollars to pay for Long Term Care expenses, without having to “spend down” all of your personal assets? One of the biggest fears that many seniors have today is the fear of having their life savings wiped out if they should end up needing care at home, in an assisted living facility, or a nursing home. In fact, according to the U.S. Department of Health and Human Services, at least 70% of all people over age 65 will need long-term care services at some point during their lifetimes! Everyone has questions regarding life insurance, retirement and other benefit programs. How much Retirement do you need? How much Life insurance? What exactly is Long-term Care? Should you purchase Long or Short-term Disability insurance? How do you decide?Let Sarasota Financial Group, Inc.help you. We specialize in providing individuals with financial products such as: Life Insurance, Long-Term Care and Annuities.
SFG FEDERAL BENEFITS
SFG Federal Advisors are Chartered Federal Employee Benefits Consultants dedicated to helping both Civil Service and Military Veterans understand their financial options amidst the constantly evolving rules and regulations, helping you get the most out of your benefits. We offer two distinct services for all Federal Employees and agencies in helping them with their retirement preparation:* FEDERAL EMPLOYEE BENEFITS ANALYSIS ** RETIREMENT BENEFIT WORKSHOPS * Human Resources Onsite and Associations, Unions, Coalitions Offsite in person or online.For military veterans and their families, Sarasota Financial Group offers Long Term Care 4 Veterans, a national public information company. We help Veterans and their Surviving Spouses who may be entitled to the Department of Veterans Affairs (VA) benefits, particularly a little known improved pension benefit that provides tax-free income to qualified claimants, Aid and Attendance.We believe that Veterans who served our country during a wartime period, earned and deserve the benefits to which they are entitled.