Nemnich
Life &Wealth
Nemnich
Life &Wealth
Nemnich
Life &Wealth
Financial & College Planning
Helping you plan for a secure financial future by navigating with personalized strategies.
Existing Policy & Asset Review
Thoroughly assessing your existing policies and assets to ensure they align with your current goals and future needs.
Life Insurance
Personalized Term, Whole, and Index life insurance solutions that protect and serve your family.
Annuities
Annuities provide a secure way to generate steady, predictable income for your retirement, offering peace of mind with long-term financial stability
Disability Income Protection
Protect your financial future with tailored disability income protection plans, offering reliable income replacement to help you maintain stability even when illness or injury strikes.
Business Solutions
Protect and grow your business with tailored solutions like key person insurance, buy-sell agreements, and retirement planning to ensure long-term success and a smooth transition.
Our Services
Our Services
HOURS
Monday-Friday
9am-5pm
LOCATION
Pompano Beach, FL
HOURS
Monday-Friday
9am-5pm
LOCATION
Pompano Beach, FL
Retirement Planning
At Nemnich Life & Wealth, we help you take control of your retirement journey with personalized strategies designed to grow and protect your wealth. Whether you're rolling over a 401(k), planning for steady income, or minimizing taxes, our solutions are built to make your retirement both secure and stress-free.
401(k) Rollovers
What is a 401(k) Rollover?
A 401(k) rollover involves transferring your retirement savings from a 401(k) plan to another retirement account, such as an IRA or an annuity.
Why Consider a Rollover?
Consolidation of Accounts: Simplify your retirement savings by combining multiple accounts.
Expanded Investment Options: Gain access to a broader range of investment choices.
Potential for Lower Fees: Reduce administrative and management costs.
Enhanced Control: Have more flexibility in managing your retirement funds.
Tax Advantage: Worry less about how much taxes are coming out after each withdrawal
Rolling over your 401(k) can be a strategic move to optimize your retirement savings and align them with your financial objectives.
Retirement Income Strategies
What Are Retirement Income Strategies?
These are plans designed to ensure a steady income stream during retirement, balancing your needs and lifestyle
Key Components:
Diversified Income Sources: Utilize Social Security, pensions, and investment returns.
Withdrawal Planning: Determine optimal withdrawal rates to sustain your savings.
Inflation Protection: Incorporate investments that hedge against inflation
Implementing effective retirement income strategies helps maintain your desired lifestyle without the fear of outliving your savings.
Tax Efficiency Planning
What Is Tax Efficiency Planning?
It's the process of organizing your financial affairs to minimize tax liabilities, thereby maximizing your retirement income.
Strategies Include:
Tax-Advantaged Accounts: Transferring taxable funds into tax deferred growth products such as annuities.
Strategic Withdrawals: Plan the sequence of withdrawals to reduce taxable income.
By focusing on tax efficiency, you can retain more of your income and enhance your financial longevity.
Annuities
What Is an Annuity?
An annuity is a financial product that provides a guaranteed income stream, typically used as part of retirement planning.
Benefits of Annuities:
Guaranteed Income: Receive consistent payments for life or a specified period.
Tax Deferral: Defer taxes on investment gains until withdrawal.
Customization: Choose from various annuity types to fit your needs.
Incorporating annuities into your retirement plan can offer financial stability and peace of mind.
Connect me with a Financial Professional
Business Planning
As a business owner, you wear many hats—but you don't have to plan alone. From succession and key employee strategies to tax-free growth and group benefits, we help protect your company’s future and reward the people who help it thrive. Let’s plan for long-term success together.
Buy-Sell Agreement Funding
What Is a Buy-Sell Agreement?
A buy-sell agreement is a legally binding contract that outlines the procedure for a business partner's share to be reassigned if they exit the business.
Importance of Funding:
Ensures Smooth Transitions: Facilitates the orderly transfer of ownership.
Financial Preparedness: Provides funds to buy out a departing partner's share.
Business Continuity: Maintains operational stability during ownership changes.
Proper funding of buy-sell agreements is crucial for the longevity and stability of your business.
Executive Bonus & Retention Strategies
What Are Executive Bonus Plans?
These are incentive programs that provide additional compensation to key employees, often in the form of life insurance policies.
Benefits:
Attract and Retain Talent: Offer competitive benefits to essential personnel.
Tax Advantages: Potential tax deductions for the business.
Employee Loyalty: Enhance job satisfaction and commitment
Implementing executive bonus plans can be a strategic tool for talent management and business growth.
Key Person Insurance
What Is Key Person Insurance?
It's a life insurance policy that a business takes out on its most valuable employees to mitigate financial losses in case of their untimely death.
Why It's Essential:
Financial Protection: Covers potential revenue losses.
Business Stability: Ensures continuity during transitional periods.
Creditworthiness: Reassures lenders and investors of the business's resilience.
Key person insurance safeguards your business against unforeseen disruptions.
Business Overhead Expense (B.O.E) Insurance
What Is B.O.E Insurance?
B.O.E insurance covers the operating expenses of a business if the owner becomes disabled and cannot work.
Coverage Includes:
Rent and Utilities: Ensures bills are paid during the owner's absence.
Employee Salaries: Maintains staff compensation.
Loan Payments: Continues debt obligations without interruption.
B.O.E insurance is vital for small businesses reliant on the owner's active participation.
Tax-Free Growth Strategies
What Are Tax-Free Growth Strategies?
These involve investment approaches that allow your money to grow without being subject to taxes, maximizing your returns.
What we offer:
Life Insurance Policies: Certain policies accumulate cash value tax-free.
Implementing tax-free growth strategies can enhance your wealth accumulation over time.
Group Life & Disability Plans
What Are Group Life & Disability Plans?
These are insurance policies offered by employers to provide financial protection to employees in case of death or disability.
Advantages:
Employee Well-being: Demonstrates care for staff welfare.
Attractive Benefits Package: Enhances recruitment and retention.
Tax Benefits: Potential deductions for the business.
Offering group insurance plans can improve employee satisfaction and loyalty.
Connect me with a Financial Professional
Family Protection
Your family is your greatest asset—and protecting their future starts now. We offer life insurance, income protection, and tax-efficient strategies that ensure your loved ones are cared for no matter what life brings. It’s about peace of mind today and a legacy that lasts tomorrow.
Income & Mortgage Protection
What Is Income & Mortgage Protection?
These are insurance products designed to cover your income and mortgage payments in case of unforeseen events like disability or death.
Benefits:
Financial Security: Ensures your family's lifestyle is maintained.
Debt Protection: Prevents foreclosure or debt accumulation.
Peace of Mind: Provides assurance during challenging times.
Protecting your income and home is fundamental to your family's financial stability.
College Funding Strategies
What Are College Funding Strategies?
These are plans to save and invest money to cover future educational expenses for your children.
Options Include:
Cash Value Life Insurance: Tax-free growth that can be used for college funding, down payment on a home, etc.
Early planning ensures your children have the resources for higher education.
Tax-Free Wealth Transfer
What Is Tax-Free Wealth Transfer?
It's the process of passing assets to heirs without incurring estate or gift taxes.
Strategies:
Life Insurance: Proceeds are generally tax-free to beneficiaries allowing wealth to be transferred tax efficiently.(It can also be used to pay for taxes that the family may have after a transfer of wealth)
Effective wealth transfer planning preserves your legacy for future generations.
Life Insurance
What Is Life Insurance?
Life insurance provides a death benefit to beneficiaries upon the policyholder's passing, offering financial support during difficult times.
Types:
Term Life: Coverage for a specific period.
Whole Life: Permanent coverage with cash value accumulation.
Universal Life: Flexible premiums and death benefits.
Life insurance is a cornerstone of comprehensive financial planning.
For personalized guidance on any of these services, contact Nemnich Life & Wealth to schedule a consultation
Connect me with a Financial Professional
Chat Here
Chat Here
Chat Here
Our Services
Our Services
HOURS
Monday-Friday
9am-5pm
LOCATION
Pompano Beach, FL
HOURS
Monday-Friday
9am-5pm
LOCATION
Pompano Beach, FL
Retirement Planning
At Nemnich Life & Wealth, we help you take control of your retirement journey with personalized strategies designed to grow and protect your wealth. Whether you're rolling over a 401(k), planning for steady income, or minimizing taxes, our solutions are built to make your retirement both secure and stress-free.
401(k) Rollovers
What is a 401(k) Rollover?
A 401(k) rollover involves transferring your retirement savings from a 401(k) plan to another retirement account, such as an IRA or an annuity.
Why Consider a Rollover?
Consolidation of Accounts: Simplify your retirement savings by combining multiple accounts.
Expanded Investment Options: Gain access to a broader range of investment choices.
Potential for Lower Fees: Reduce administrative and management costs.
Enhanced Control: Have more flexibility in managing your retirement funds.
Tax Advantage: Worry less about how much taxes are coming out after each withdrawal
Rolling over your 401(k) can be a strategic move to optimize your retirement savings and align them with your financial objectives.
Retirement Income Strategies
What Are Retirement Income Strategies?
These are plans designed to ensure a steady income stream during retirement, balancing your needs and lifestyle
Key Components:
Diversified Income Sources: Utilize Social Security, pensions, and investment returns.
Withdrawal Planning: Determine optimal withdrawal rates to sustain your savings.
Inflation Protection: Incorporate investments that hedge against inflation
Implementing effective retirement income strategies helps maintain your desired lifestyle without the fear of outliving your savings.
Tax Efficiency Planning
What Is Tax Efficiency Planning?
It's the process of organizing your financial affairs to minimize tax liabilities, thereby maximizing your retirement income.
Strategies Include:
Tax-Advantaged Accounts: Transferring taxable funds into tax deferred growth products such as annuities.
Strategic Withdrawals: Plan the sequence of withdrawals to reduce taxable income.
By focusing on tax efficiency, you can retain more of your income and enhance your financial longevity.
Annuities
What Is an Annuity?
An annuity is a financial product that provides a guaranteed income stream, typically used as part of retirement planning.
Benefits of Annuities:
Guaranteed Income: Receive consistent payments for life or a specified period.
Tax Deferral: Defer taxes on investment gains until withdrawal.
Customization: Choose from various annuity types to fit your needs.
Incorporating annuities into your retirement plan can offer financial stability and peace of mind.
Connect me with a Financial Professional
Business Planning
As a business owner, you wear many hats—but you don't have to plan alone. From succession and key employee strategies to tax-free growth and group benefits, we help protect your company’s future and reward the people who help it thrive. Let’s plan for long-term success together.
Buy-Sell Agreement Funding
What Is a Buy-Sell Agreement?
A buy-sell agreement is a legally binding contract that outlines the procedure for a business partner's share to be reassigned if they exit the business.
Importance of Funding:
Ensures Smooth Transitions: Facilitates the orderly transfer of ownership.
Financial Preparedness: Provides funds to buy out a departing partner's share.
Business Continuity: Maintains operational stability during ownership changes.
Proper funding of buy-sell agreements is crucial for the longevity and stability of your business.
Executive Bonus & Retention Strategies
What Are Executive Bonus Plans?
These are incentive programs that provide additional compensation to key employees, often in the form of life insurance policies.
Benefits:
Attract and Retain Talent: Offer competitive benefits to essential personnel.
Tax Advantages: Potential tax deductions for the business.
Employee Loyalty: Enhance job satisfaction and commitment
Implementing executive bonus plans can be a strategic tool for talent management and business growth.
Key Person Insurance
What Is Key Person Insurance?
It's a life insurance policy that a business takes out on its most valuable employees to mitigate financial losses in case of their untimely death.
Why It's Essential:
Financial Protection: Covers potential revenue losses.
Business Stability: Ensures continuity during transitional periods.
Creditworthiness: Reassures lenders and investors of the business's resilience.
Key person insurance safeguards your business against unforeseen disruptions.
Business Overhead Expense (B.O.E) Insurance
What Is B.O.E Insurance?
B.O.E insurance covers the operating expenses of a business if the owner becomes disabled and cannot work.
Coverage Includes:
Rent and Utilities: Ensures bills are paid during the owner's absence.
Employee Salaries: Maintains staff compensation.
Loan Payments: Continues debt obligations without interruption.
B.O.E insurance is vital for small businesses reliant on the owner's active participation.
Tax-Free Growth Strategies
What Are Tax-Free Growth Strategies?
These involve investment approaches that allow your money to grow without being subject to taxes, maximizing your returns.
What we offer:
Life Insurance Policies: Certain policies accumulate cash value tax-free.
Implementing tax-free growth strategies can enhance your wealth accumulation over time.
Group Life & Disability Plans
What Are Group Life & Disability Plans?
These are insurance policies offered by employers to provide financial protection to employees in case of death or disability.
Advantages:
Employee Well-being: Demonstrates care for staff welfare.
Attractive Benefits Package: Enhances recruitment and retention.
Tax Benefits: Potential deductions for the business.
Offering group insurance plans can improve employee satisfaction and loyalty.
Connect me with a Financial Professional
Family Protection
Your family is your greatest asset—and protecting their future starts now. We offer life insurance, income protection, and tax-efficient strategies that ensure your loved ones are cared for no matter what life brings. It’s about peace of mind today and a legacy that lasts tomorrow.
Income & Mortgage Protection
What Is Income & Mortgage Protection?
These are insurance products designed to cover your income and mortgage payments in case of unforeseen events like disability or death.
Benefits:
Financial Security: Ensures your family's lifestyle is maintained.
Debt Protection: Prevents foreclosure or debt accumulation.
Peace of Mind: Provides assurance during challenging times.
Protecting your income and home is fundamental to your family's financial stability.
College Funding Strategies
What Are College Funding Strategies?
These are plans to save and invest money to cover future educational expenses for your children.
Options Include:
Cash Value Life Insurance: Tax-free growth that can be used for college funding, down payment on a home, etc.
Early planning ensures your children have the resources for higher education.
Tax-Free Wealth Transfer
What Is Tax-Free Wealth Transfer?
It's the process of passing assets to heirs without incurring estate or gift taxes.
Strategies:
Life Insurance: Proceeds are generally tax-free to beneficiaries allowing wealth to be transferred tax efficiently.(It can also be used to pay for taxes that the family may have after a transfer of wealth)
Effective wealth transfer planning preserves your legacy for future generations.
Life Insurance
What Is Life Insurance?
Life insurance provides a death benefit to beneficiaries upon the policyholder's passing, offering financial support during difficult times.
Types:
Term Life: Coverage for a specific period.
Whole Life: Permanent coverage with cash value accumulation.
Universal Life: Flexible premiums and death benefits.
Life insurance is a cornerstone of comprehensive financial planning.
For personalized guidance on any of these services, contact Nemnich Life & Wealth to schedule a consultation
Connect me with a Financial Professional
Financial & College Planning
Helping you save for you or your families future goals by navigating personalized strategies.
Existing Policy & Asset Review
Thoroughly assessing your existing policies and assets to ensure they align with your current goals and future needs.
Life Insurance
Personalized Term, Whole, and Index life insurance solutions that protect and serve your family.
Business Solutions
Protect and grow your business with tailored solutions like key person insurance, buy-sell agreements, and retirement planning to ensure long-term success and a smooth transition.
Disability Income Protection
Protect your financial future with tailored disability income protection plans, offering reliable income replacement to help you maintain stability even when illness or injury strikes.
Annuities
Annuities provide a secure way to generate steady, predictable income for your retirement, offering peace of mind with long-term financial stability
Retirement Planning
At Nemnich Life & Wealth, we help you take control of your retirement journey with personalized strategies designed to grow and protect your wealth. Whether you're rolling over a 401(k), planning for steady income, or minimizing taxes, our solutions are built to make your retirement both secure and stress-free.
401(k) Rollovers
What is a 401(k) Rollover?
A 401(k) rollover involves transferring your retirement savings from a 401(k) plan to another retirement account, such as an IRA or an annuity.
Why Consider a Rollover?
Consolidation of Accounts: Simplify your retirement savings by combining multiple accounts.
Expanded Investment Options: Gain access to a broader range of investment choices.
Potential for Lower Fees: Reduce administrative and management costs.
Enhanced Control: Have more flexibility in managing your retirement funds.
Tax Advantage: Worry less about how much taxes are coming out after each withdrawal
Rolling over your 401(k) can be a strategic move to optimize your retirement savings and align them with your financial objectives.
Retirement Income Strategies
What Are Retirement Income Strategies?
These are plans designed to ensure a steady income stream during retirement, balancing your needs and lifestyle
Key Components:
Diversified Income Sources: Utilize Social Security, pensions, and investment returns.
Withdrawal Planning: Determine optimal withdrawal rates to sustain your savings.
Inflation Protection: Incorporate investments that hedge against inflation
Implementing effective retirement income strategies helps maintain your desired lifestyle without the fear of outliving your savings.
Tax Efficiency Planning
What Is Tax Efficiency Planning?
It's the process of organizing your financial affairs to minimize tax liabilities, thereby maximizing your retirement income.
Strategies Include:
Tax-Advantaged Accounts: Transferring taxable funds into tax deferred growth products such as annuities.
Strategic Withdrawals: Plan the sequence of withdrawals to reduce taxable income.
By focusing on tax efficiency, you can retain more of your income and enhance your financial longevity.
Annuities
What Is an Annuity?
An annuity is a financial product that provides a guaranteed income stream, typically used as part of retirement planning.
Benefits of Annuities:
Guaranteed Income: Receive consistent payments for life or a specified period.
Tax Deferral: Defer taxes on investment gains until withdrawal.
Customization: Choose from various annuity types to fit your needs.
Incorporating annuities into your retirement plan can offer financial stability and peace of mind.
Connect me with a Financial Professional
Business Planning
As a business owner, you wear many hats—but you don't have to plan alone. From succession and key employee strategies to tax-free growth and group benefits, we help protect your company’s future and reward the people who help it thrive. Let’s plan for long-term success together.
Buy-Sell Agreement Funding
What Is a Buy-Sell Agreement?
A buy-sell agreement is a legally binding contract that outlines the procedure for a business partner's share to be reassigned if they exit the business.
Importance of Funding:
Ensures Smooth Transitions: Facilitates the orderly transfer of ownership.
Financial Preparedness: Provides funds to buy out a departing partner's share.
Business Continuity: Maintains operational stability during ownership changes.
Proper funding of buy-sell agreements is crucial for the longevity and stability of your business.
Executive Bonus & Retention Strategies
What Are Executive Bonus Plans?
These are incentive programs that provide additional compensation to key employees, often in the form of life insurance policies.
Benefits:
Attract and Retain Talent: Offer competitive benefits to essential personnel.
Tax Advantages: Potential tax deductions for the business.
Employee Loyalty: Enhance job satisfaction and commitment
Implementing executive bonus plans can be a strategic tool for talent management and business growth.
Key Person Insurance
What Is Key Person Insurance?
It's a life insurance policy that a business takes out on its most valuable employees to mitigate financial losses in case of their untimely death.
Why It's Essential:
Financial Protection: Covers potential revenue losses.
Business Stability: Ensures continuity during transitional periods.
Creditworthiness: Reassures lenders and investors of the business's resilience.
Key person insurance safeguards your business against unforeseen disruptions.
Business Overhead Expense (B.O.E) Insurance
What Is B.O.E Insurance?
B.O.E insurance covers the operating expenses of a business if the owner becomes disabled and cannot work.
Coverage Includes:
Rent and Utilities: Ensures bills are paid during the owner's absence.
Employee Salaries: Maintains staff compensation.
Loan Payments: Continues debt obligations without interruption.
B.O.E insurance is vital for small businesses reliant on the owner's active participation.
Tax-Free Growth Strategies
What Are Tax-Free Growth Strategies?
These involve investment approaches that allow your money to grow without being subject to taxes, maximizing your returns.
What we offer:
Life Insurance Policies: Certain policies accumulate cash value tax-free.
Implementing tax-free growth strategies can enhance your wealth accumulation over time.
Group Life & Disability Plans
What Are Group Life & Disability Plans?
These are insurance policies offered by employers to provide financial protection to employees in case of death or disability.
Advantages:
Employee Well-being: Demonstrates care for staff welfare.
Attractive Benefits Package: Enhances recruitment and retention.
Tax Benefits: Potential deductions for the business.
Offering group insurance plans can improve employee satisfaction and loyalty.
Connect me with a Financial Professional
Family Protection
Your family is your greatest asset—and protecting their future starts now. We offer life insurance, income protection, and tax-efficient strategies that ensure your loved ones are cared for no matter what life brings. It’s about peace of mind today and a legacy that lasts tomorrow.
Income & Mortgage Protection
What Is Income & Mortgage Protection?
These are insurance products designed to cover your income and mortgage payments in case of unforeseen events like disability or death.
Benefits:
Financial Security: Ensures your family's lifestyle is maintained.
Debt Protection: Prevents foreclosure or debt accumulation.
Peace of Mind: Provides assurance during challenging times.
Protecting your income and home is fundamental to your family's financial stability.
College Funding Strategies
What Are College Funding Strategies?
These are plans to save and invest money to cover future educational expenses for your children.
Options Include:
Cash Value Life Insurance: Tax-free growth that can be used for college funding, down payment on a home, etc.
Early planning ensures your children have the resources for higher education.
Tax-Free Wealth Transfer
What Is Tax-Free Wealth Transfer?
It's the process of passing assets to heirs without incurring estate or gift taxes.
Strategies:
Life Insurance: Proceeds are generally tax-free to beneficiaries allowing wealth to be transferred tax efficiently.(It can also be used to pay for taxes that the family may have after a transfer of wealth)
Effective wealth transfer planning preserves your legacy for future generations.
Life Insurance
What Is Life Insurance?
Life insurance provides a death benefit to beneficiaries upon the policyholder's passing, offering financial support during difficult times.
Types:
Term Life: Coverage for a specific period.
Whole Life: Permanent coverage with cash value accumulation.
Universal Life: Flexible premiums and death benefits.
Life insurance is a cornerstone of comprehensive financial planning.
For personalized guidance on any of these services, contact Nemnich Life & Wealth to schedule a consultation
Connect me with a Financial Professional
Existing Policy & Asset Review
Thoroughly assessing your existing policies and assets to ensure they align with your current goals and future needs.
Financial & College Planning
Helping you plan for a secure financial future by navigating with personalized strategies.
Life Insurance
Personalized Term, Whole, and Index life insurance solutions that protect and serve your family.
Disability Income Protection
Protect your financial future with tailored disability income protection plans, offering reliable income replacement to help you maintain stability even when illness or injury strikes.
Annuities
Annuities provide a secure way to generate steady, predictable income for your retirement, offering peace of mind with long-term financial stability
Business Solutions
Protect and grow your business with tailored solutions like key person insurance, buy-sell agreements, and retirement planning to ensure long-term success and a smooth transition.
HOURS
Monday-Friday
9am-5pm
LOCATION
Pompano Beach, FL