My role is to be an educator. I offer complimentary legacy and long-term care planning consultations to pre-retired professionals as well as current retirees who not only want to preserve and protect their retirement assets from the high cost of long-term care while they are alive, but also have a strong desire to maximize the financial legacy that they leave to their kids and grandkids when they eventually pass away.
I do not charge a penny for my services. Instead, I’m here to be an informational advocate for you. What you do with the knowledge and guidance that you receive from me is purely up to you.
The one thing that I’m NOT is an investment advisor. I leave that part to my clients. Some of them manage their own investments, while others prefer to work with a local professional. (I’m more than happy to recommend you to an advisor I know and trust if you would like help managing your investments.)
I like to say that I specialize in everything that an investment advisor doesn’t. Although I’m well-versed in tax and estate planning matters, I often refer my clients to trusted estate and elder law attorneys, who can use their expertise to help us implement your legacy planning strategies.
At The Estate, Legacy & Long-Term Care Planning Center of Western NY, my goal is to make sure your estate is in the best order it can be from a legacy, long-term care, and probate-avoidance standpoint.
I take great pride in the fact that I have over 30 years of legacy planning experience, and can help you transfer your wealth with minimal taxation and maximum peace of mind.
I look forward to meeting you!
What I Do
The Estate, Legacy & Long-Term Care Planning Center of Western NY provides pre-retired professionals, retirees and seniors with the specific knowledge, informational tools and guidance that they need to make fully informed decisions on these very important planning matters.
I focus on two specific areas with my clients – Legacy Planning and Long-Term Care Planning – exploring all available planning strategies that will protect your financial assets from the exorbitant cost of an unexpected and prolonged long-term care need during your lifetime and also maximizing the Finaancial Legacy that will be passed down to your children and grandchildren by as your financial legacy. Too many people are caught unaware when these planning issues become a problem, and it’s often too late to change things. That’s why I take a proactive approach to these issues so you can experience peace of mind throughout your retirement years. To me, that is what it’s all about.
How I Can Help You
My free consultative services will allow you to better understand all of your options for preserving and protecting your retirement life savings from exorbitant nursing home costs and excessive income taxation that your chosen heirs will face when they inherit your assets. The key question that I focus on when working with my clients is centered around how we can most effectively and efficiently utilize your existing resources to accomplish those planning objectives.
Three times each month, I also give free Estate, Legacy, and Long-Term Care Planning informational workshops throughout our local community, educating and equipping attendees with the information they need to make the best decisions for their own unique situations.
While the clients that I work with come from all walks of life, they are generally between the ages of 50-85, have done an excellent job of accumulating assets for their retirement, and are now in or nearing the distribution or deaccumulation phase of their financial lives. They care deeply about their families and are committed to leaving a meaningful legacy for their loved ones.
What Makes My Practice Unique
I believe clients choose to work with me because they know right from the start that I am an expert in my field and have their best interests in mind. My objective advice and independence give my clients a sense of trust and comfort, and they appreciate having an informational advocate and sounding board that they can rely on for factual information. Second, I do not charge a penny for my services. My job is to educate and empower you to make fully informed decisions based upon your stated objectives. What you do with that education is purely up to you.
Do You Want Peace of Mind in Retirement?
Have you created a solid legacy and long-term care plan yet? My goal is to help you get your overall planning in these areas in the best possible order so that you can rest easy and thoroughly enjoy your retirement years and be ready for whatever comes your way.
If you would like to chat, please feel free to reach out to me at (585) 721-2385 or send me an email note at email@example.com and we can schedule a free telephone or in-person consultation. Let’s take the time to see how my expertise may possibly be of help to you. I look forward to becoming acquainted!
Bill Monte is President and financial advisor at The Estate, Legacy & Long-Term Care Planning Center of Western NY. He has over 30 years of experience in the financial services industry. As a leading legacy planning expert in Rochester, NY, Bill has helped hundreds of retirees implement personalized plans that help them secure their financial position. The independent nature of his practice allows him to work closely with each client to ensure they implement the perfect plan based on their particular needs and goals. Bill holds a range of financial designations, including CLU, ChFC, CLTC, and LTCP, and he’s working toward his RICP designation. Bill lives in Rochester, New York, with his wife Monica.
Financial credentials may look like alphabet soup, but they signify something more: my dedication to the financial planning industry and continuing education.
At The Estate, Legacy & Long-Term Care Planning Center of Western NY, I hope these credentials reinforce that you’re working with a professional who has the education, training, and expertise to help you make life-enhancing decisions.
Chartered Life Underwriter (CLU)
The CLU is the world’s most respected designation of insurance expertise. This prestigious CLU course of study provides in-depth knowledge of the insurance needs of individuals, business owners, and professional clients. You can learn more at www.theamericancollege.edu.
Chartered Financial Consultant (ChFC)
For the ChFC designation, candidates must show a thorough knowledge of financial planning by successfully completing a comprehensive exam covering a broad range of topics. You can learn more at www.theamericancollege.edu.
Long-Term Care Professional (LTCP)
The LTCP credential is a premier designation in the long-term care insurance field. It arms professionals with the tools and expertise they need to help clients choose a long-term care insurance plan that’s right for them. You can learn more at www.ahip.org.
Certification for Long-Term Care (CLTC®)
The CLTC certification provides professionals with the skill sets needed to discuss the emotional, physical, and financial challenges of long-term care. Through their training, they learn how to mitigate LTC challenges and offer client recommendations as it applies to insurance, financial services, law, and accounting. You can learn more at www.ltc-cltc.com.
Retirement Income Certified Professional (RICP®)
This rigorous program was developed by more than 45 of the nation’s top retirement planning experts. It teaches financial advisors how to understand, choose, and execute a retirement planning strategy for their clients that generates sustainable income using their available resources. You can learn more at www.theamericancollege.edu.