Independent Benefit Solutions, LLC Prepares Clients for Life During and After Working Years

One of the hardest things to plan for is retirement. Most people look forward to this joyful time in their life, yet are woefully unprepared for the changes in lifestyle, health and income that may happen. The two biggest financial fears people face before retirement are either not having enough income or depleting their assets too early because of taxes, longer life expectancies or an unplanned or prolonged illness.

Before individuals reach that decision, they should see Nicholas Pacheco at Independent Benefit Solutions, LLC (IBS). Located at 2050 Mineral Spring Avenue in North Providence, Pacheco is a licensed, independent agent with more than 17 years of helping people plan and secure their futures. There are tax-advantage ideas and services that the company offers that benefit their client’s needs.

Pacheco said these values come from his passion for assisting others while providing top-notch services.

“From an individual standpoint, people have hopes and dreams that they want to live comfortably after they’ve worked throughout their lives,” said Pacheco, who was born and raised in Rhode Island. “Most people and traditional planning focuses on climbing to the top of the mountain, but hardly anyone focuses on how to come safely down. We teach our clients how a variety of tax-advantaged ideas can help them create a customized plan that will best suit their unique needs.”

Pacheco noted another issue that will attract attention during the next few months: Medicare. He said the Medicare Annual Election Period (AEP) for individuals start on Sunday, October 15 and runs until Thursday, December 7. During that period, Pacheco offers free seminars to inform the public about changes in the various plans for the coming year. His agency also meets with their clients one-on-one to review their current Medicare plans to ensure they still meet their needs and budget, including “Part D” prescription drug plans.

“What IBS will do for our clients are review their current insurance portfolio at no charge and see where they could help to create a solution that makes sense,” Pacheco said.

“We are a full-service, licensed independent insurance agency that educates their clients so they can stop worrying about their financial future and start living the way they planned.” Pacheco continued. “We offer solutions to maximize their health, protect their wealth, and show them how to leave a positive and lasting financial legacy to those they care about.”

Among the solutions IBS offers include: various Medicare and group health insurance plans, voluntary benefits, identify theft protection, retirement income, various tax-free final expense and life insurance, disability insurance and long-term care plans, among others.

Independent Benefit Solutions has an A+ rating with the BBB (Better Business Bureau), and is an active member of the Northern Rhode Island Chamber of Commerce. He is married and lives with his family in Cumberland and he presently serves as a Major in the R.I. Army National Guard for the last 22 years.

Speaking of growth, Pacheco said the company is expanding and seeking talented individuals who are interested in joining the team as Independent Insurance Agents. No experience is necessary; those seeking additional information may contact Mr. Pacheco either by phone at: (401) 314-4100 or by e-mail at: npacheco@independentbenefitsolutions.com. Visit http://independentbenefitsolutions.com for more details regarding the agency.

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