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Strategies & Lessons
Will You Work in Retirement Because You Want To — or Because You Have To?
Will You Work in Retirement Because You Want To — or Because You Have To?
A shocking number of Americans plan to keep working into retirement — not by choice, but by necessity.
If your only income stream is a 401(k) or Social Security, you may find yourself forced back to work when the market dips or inflation hits.
The solution? Start building multiple income streams now — especially those that are tax-free and independent of the stock market.
Key Strategies Brent Covers:
Use IULs to create tax-free retirement income
Tap into living benefits if illness strikes
Structure your plan so you work because you want to — not because you have to
Retirement isn’t an age. It’s a financial condition. And you get to define the terms.
“Retirement is freedom. If you're still working at 70, it should be because you love what you do — not because you’re out of options.” — Brent Buffone
How We Can Help
Free consultation to review your current coverage and help you build a custom protection plan for your lifetime.
We're Experts at Independent Insurance Brokerage, Financial Services, & Retirement Planning.
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About Brent Buffone Insurance Services
Soar Financial Group helps individuals, families, and small business owners forecast their financial future with personalized insurance and retirement strategies. Led by Brent Buffone, we specialize in life insurance, Medicare plans, mortgage protection, and tax-free retirement options — all delivered with care, clarity, and integrity.
Perfectly Created For
Individuals and families who want to secure their financial future with life insurance, Medicare guidance, and retirement planning. It's also for small business owners looking to offer employee benefits — and aspiring agents seeking a meaningful, profitable career in insurance.
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Frequently Asked Questions
What’s the difference between term life and cash value life insurance?
Term life provides coverage for a fixed period (e.g., 20 or 30 years) and typically has no payout if you outlive the term. Cash value life insurance, like Indexed Universal Life (IUL), builds savings over time and allows you to access your money later — even while you're still alive.
Can I really access money from a life insurance policy before I die?
Yes — with certain policies like IULs that offer living benefits. You can access funds in cases of chronic, critical, or terminal illness, and even use the policy as a tax-free retirement income source.
Why should I work with an independent broker instead of a big insurance company?
As an independent broker, Brent shops across 15+ top-rated insurance carriers to find the best plan for your needs and budget — with no bias or upselling. You get honest advice, better options, and one-on-one guidance.
When should I start planning for retirement?
The sooner the better — even if you're just starting your career. The earlier you begin, the more time you have to grow tax-free wealth and protect your future income. Brent can help you create a personalized, flexible plan at any stage.
How much does it cost to get a consultation?
Consultations are completely free. Brent will review your current situation, answer your questions, and help you understand your options — with no pressure to commit.
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