SCFG Inc | Full Service Financial Services & Consulting

Growth potential is one important consideration for your retirement assets. Protection? That’s one, too. IUL can address both of these concerns through the Power of indexing. Indexing is a method that enables policy holders to participate in a portion of the potential rise in the value of a stock market index, while being protected from a potential drop in the index’s value. 1- there are many different kinds of indexes. As an example, a common indexing method uses the S&P 500® with a cap and a floor. Below is a comparison of $100,000 investment this century in stock reflected by the movement of the S&P 500® total return including dividend (red line) and the interest credited under an indexing method using the S&P 500® with a hypothetical cap of 13% and a floor of 0% (green line). This comparison does not include any charges for the morality costs of life insurance nor any stock investment fees, so the actual comparative values may vary from what is shown.

How Do Funds Grow with “Indexing”?

Disclaimer:

Source: Yahoo Finance GSPC Historical Prices, Wikipedia and StandardsandPoors.com 1-This historical performance of the S&P 500® is not intended as an indication of its future performance and is not guaranteed. This graph is only intended to demonstrate how the S&P 500®, excluding dividends, would be impacted by the hypothetical growth cap of 12.5% and the hypothetical floor of 0%, and is not a prediction of how any Indexed Universal Life Insurance product might have operated had it existed over the period depicted above. The actual historical growth of an IUL product existing over the period depicted above may have been higher or lower than assumed, and likely would have fluctuated subject to product guarantees. 2-This graph does not reflect the impact of life insurance policy charges or investment account fees, so the actual comparative values may vary from the chart above.
SERVING THE
60+
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Secure Financial Future

SCFG is ready to help Americans build a secure financial future—
one person, one family, one guarantee at a time.

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Welcome

Senior Consulting Financial Group, Inc. serves the 60+ marketplace with straightforward, realistic advice regarding Medicare and life insurance, annuities, and other financial products based on your risk tolerance. Social Security, retirement planning, legacy planning for generations, and creating awareness of being fiscally responsible are important areas of discussion we offer to each of our clients. We understand the overwhelming amount of data you receive at this point in your life, and will do our best to help you break it down to something you can understand. Our goal is to make sure you understand at all cost.

Why our consulting

With over 22 years’ experience in the field of finance, we have been through countless market cycles. Let of perspective assist you down the retirement path.

Global consumer insights

Rapid solutions to the most complex business challenges with cooperative process-driven.

Thought Leadership

A solution is proposed, from here you can action the plan with just outline assistance.

Services

Medicare

It can be overwhelming. We use our 20+ years of knowledge of the marketplace to help each individual or couple find their best fit.

Life insurance

Whether you want to protect your family, employees, assets, or all of the above, our customizable life insurance products offer protection that fits.

Annuities

SCFG Financial is ready to help Americans build a secure financial future—one person, one family, one institution at a time.

Social Security

Our Social Security consulting will help help you to “Make a Plan” to understand and to maximize your benefits.

Retirement Planning

Our trained, experienced advisors can assist with comprehensive retirement plan design, compliance and fiduciary support, and services customized to fit you and your spouse’s particular situation.

Legacy Planning

We offer independent advice and financial solutions to individuals, families and businesses.

Doing the right thing,
at the right time.

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Testimonials

Barbara G

My name is Barbara Gail Allen and I am very soon reaching Medicare eligible age. I have been a widow for 10 years and struggling to make ends meet. I retired four years ago and have been paying for a short term medical policy that was costing me around $400 a month. This policy would not pay for my prescriptions, hardly pay any on office visits, yearly female exams, lab blood work, or yearly mammograms.

A couple Tobie and Barbara Griffin whom I have known for nearly 30 years gave me Derek Baltimore’s name and phone number. From the first time that I called him on the phone I felt like he was someone who was actually concerned about me as a senior adult! He listened to me and my concerns and the struggles that I was going through. Even before we had met personally he sent me plenty of information to look over and see what my options were. He has helped me get a 90 day short term policy set up and also has gotten me set up for a supplement that starts in December, 2017. He has answered every question that I have asked and did not make me feel as though I was bothering him in the least. He was genuinely concerned and wanted to help me! I will definitely recommend Derek to anyone in my similar situation.

Michael C.

After going over involved options for the future of my daughter- Derek helped and guided us to select the most better option to fit OUR needs. I recommend Derek with full appreciation of his expertise and sincerity.

Jay Y.

Derek and his staff care about the people they help. They provide realistic advice regarding the financial needs of Seniors. Integrity is a good word to describe them. I highly recommend them for you or your older loved ones. I’ve had a good experience with his firm.

Ernest Z.

Absolutely the best service that I have found in the age of ME, ME and more ME. It is a pleasure to find someone who actually cares about your needs!

Kathyrn H.

I met Mr. Baltimore in March 2014 after receiving a card from Senior Citizen Consulting and arranging an appointment. We discussed my upcoming retirement and he advised me on medicare and did the research to help me find the best supplemental insurance for me. He also advised me on the reinvestment • • •

Jonathan S.

Thanks for all the help. Just what I needed to satisfy my Mother’s fear of the market. And great job helping reduce her Medicare supplement costs and retaining the same coverage. I am very happy with the good Job.

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