GENERATIONS
Insurance & Financial Services
Guiding you towards achieving your financial potential with expert advise. With over 18 years of experience and a commitment to client success, we provide comprehensive financial advisory services tailored to your unique goals.
The next market downturn isn’t a matter of if—it’s when.
Make sure you’re ready.
This free guide shows you exactly how to shield your savings and keep your retirement plan safe when the market dips.
Nationally Recognized in Publications Including:
Experience Matters
Ryan Cicchelli has over 18 years of experience, national recognition in publications like Forbes, MSN Money, Yahoo Finance, and more than $256 million secured in client retirement assets, he brings the knowledge and trust you deserve.
Schedule your FREE, no-obligation consultation today and get expert guidance tailored to your unique goals.
John Alexander
I was always told, saving money and contributing to my 401k would give my wife and I the retirement we dreamed of.
We decided to sit down with Ryan, as he offers a free consultation, to be sure we are on track.
His strategy changed everything. Not only are we on track but we have seen a major increase that we weren't even expecting.
Sheila Manning
I thought I had everything figured out for my retirement, but when the market dipped, my savings took a painful hit. I was terrified I wouldn’t recover.
Ryan's advise not only protected what I had left but started growing it safely. I wish I’d known this sooner. Now, I’m sharing it with others so you don’t make the same mistake I did.
Richard Quest
Ryan offered a free retirement review but I wasn’t looking for complicated strategies, I just wanted to feel safe in retirement.
Like many people, I trusted my savings were in the right place until the recent market drop nearly wiped me out.
After talking with Ryan, I made one simple move that protected my savings and gave me the peace of mind I’d been missing.
MEET THE EXPERTS
WITH GENERATIONS INSURANCE & FINANCIAL SERVICES YOU CAN COUNT ON OUR TEAM OF EXPERTS TO BE THERE FOR YOU
Retirement Considerations
Most people think securing their retirement takes years of planning.
What if you could take the first big step in just 15 minutes?
There’s a simple move you can make today to start protecting your future—without the complexity, without the headaches.
The Hidden Retirement Crisis: Most People Aren’t Ready
What if everything you thought you knew about retirement planning was wrong?
Most retirees unknowingly carry 3 massive risks: losing money in a market downturn, outliving their income, and falling victim to rising taxes.
Fixed Indexed Annuities may offer the financial shield you didn’t know you needed.
Outliving Your Money: The Fear No One Talks About
Studies show that one of the biggest fears among retirees isn’t death—it’s running out of money.
But here’s what most people don’t realize: you can lock in a guaranteed lifetime income stream with a Fixed Indexed Annuity.
It’s not about guessing the markets—it’s about securing your future.
Why 'Safe Money' Isn’t Just for the Cautious
You don’t have to choose between safety and growth. FIAs allow your money to grow when the markets rise but never lose a penny when the markets fall. It’s the best-kept secret of smart retirement planners.
The Costly Mistake Pre-Retirees Make in Volatile Markets
Most people believe the key to retirement success is riding out the ups and downs of the stock market.
But here’s the truth: Timing is everything.
If the market drops right before or just after you retire, you could permanently damage your nest egg.
There’s a powerful alternative that protects your money from sudden losses while still offering growth potential.
Don’t wait to discover the simple strategy that could save your retirement.
Are You Prepared?
More than 50% of Americans express concern they’ll never achieve financial security in retirement.
57% of the working population feels they’re behind on retirement savings
35% say they’re significantly behind
Find answers to common inquiries about our financial advisory services.
Will I have enough money to last throughout my retirement?
That depends on several factors, including your current savings, life expectancy, expected expenses, inflation, and income sources like Social Security, pensions, or annuities. A detailed retirement income plan can help project whether your assets will support your lifestyle for the duration of your retirement. It’s important to review your plan regularly and consider products that can provide guaranteed lifetime income to help address longevity risk.
How can I protect my retirement savings from market losses?
Options like Fixed Indexed Annuities (FIAs), CDs, and bonds can offer principal protection with varying levels of growth potential. FIAs, in particular, can help protect your principal from market downturns while offering the potential for interest based on market index performance (without direct market participation).
However, they may include caps, spreads, or participation rates that limit growth, so it’s important to understand the product fully. Diversifying your retirement assets can also reduce risk.
What Is the Importance of Financial Planning?
Financial planning provides a roadmap for achieving your life and financial goals.
Its key benefits include:
Clarity and Direction: Helps you define your financial objectives and creates a step-by-step strategy to reach them.
Risk Management: Identifies potential financial risks (like market volatility, inflation, health costs, or longevity risk) and builds safeguards against them.
Improved Decision-Making: Guides you in making informed choices about saving, investing, spending, and protecting your assets.
Tax Efficiency: Integrates strategies that can help reduce tax liabilities now and in the future.
Peace of Mind: Provides confidence in your ability to retire comfortably, handle emergencies, and leave a legacy.
Without a financial plan, individuals are more likely to make reactive or emotionally driven financial decisions, which can jeopardize long-term success.
How Can I Prepare for Retirement?
Preparing for retirement involves both financial and lifestyle planning to ensure a successful transition. Key steps include:
Determine Retirement Goals: Establish when you want to retire, where you want to live, and what lifestyle you wish to maintain.
Estimate Retirement Expenses: Include essentials (housing, food, healthcare) and discretionary spending (travel, hobbies).
Create a Retirement Income Plan: Identify all potential income sources (Social Security, pensions, annuities, investments) and ensure they cover your expenses.
Plan for Healthcare Costs: Account for Medicare premiums, out-of-pocket expenses, and potential long-term care.
Address Inflation and Longevity Risk: Incorporate investments that can outpace inflation and strategies that provide lifetime income.
Reduce Debt: Minimize or eliminate high-interest debt before retirement to improve cash flow.
Stay Emotionally Prepared: Develop post-retirement activities that bring purpose, such as hobbies, volunteering, or part-time work.
A comprehensive, regularly updated retirement plan helps you anticipate challenges and confidently enjoy your retirement years.
What Investment Options Are Suitable for Me?
The most suitable investment options depend on your individual goals, risk tolerance, time horizon, and financial situation. Fixed Indexed Annuities (FIAs): Offer principal protection with potential for growth linked to market indexes. It’s essential to consult with a fiduciary financial advisor to tailor an investment strategy to your unique circumstances and regularly review your portfolio to ensure it stays aligned with your goals.
How Can I Optimize My Tax Situation?
Tax optimization involves proactive strategies that can help reduce your lifetime tax burden and improve the efficiency of your retirement income. Common approaches include:
Tax Diversification: Maintain a mix of taxable, tax-deferred, and tax-free accounts (e.g., brokerage, 401(k), Roth IRA) to allow flexibility in withdrawals.
Roth Conversions: Converting pre-tax retirement funds to Roth accounts during lower-income years can help reduce future required minimum distributions (RMDs) and taxable income.
Strategic Withdrawals: Coordinating the sequence of account withdrawals can minimize taxes on Social Security benefits and keep you in a lower tax bracket.
Capital Gains Management: Timing asset sales to take advantage of lower capital gains rates or offset gains with losses (tax-loss harvesting).
Utilizing Tax-Advantaged Accounts: Contributing to IRAs, 401(k)s, HSAs, and similar accounts can reduce taxable income while saving for retirement or healthcare costs.
Tax laws can change, and tax planning is highly individualized. It is strongly recommended to work with a tax professional or financial planner who understands your specific situation.