Meet Protection Red’s Bobby Esposito
I’m Bobby Esposito and I’m the investment specialist for the Protection Red team. My role is to educate every client that we have at Protection Red on the portfolio and customize that portfolio to meet their unique needs. While Kevin and Louis are out there meeting with everybody, presenting at firehouses, I’m at home base […]
Protecting Your Firefighter Retirement: Help Protect Against Market Losses
If you have a down year in the market, three years close to your retirement, you could cut your retirement pay in half. What if we could show you a way to be invested in the market, but not participate in market losses? Let us put our team to work for you. We get to […]
South Carolina Firefighters: How to Calculate Your Pension Step-by-Step
As a firefighter in South Carolina, you’re in what’s called the PIVA, the Public Employee Benefit Authority. As a firefighter in this pension system, there is a formula that will dictate what your pension payout will be. In order to figure out what your pension payout will be, there are four steps. Step one, total […]
How to Help Maximize Your Firefighter DROP Program Benefits
As a firefighter in Pennsylvania, you may be eligible for what’s called the Deferred Retirement Option Plan, the DROP program. If you’re eligible for a DROP program, you will have the benefits of a retiree, but still be able to work. This status will be available only for a certain amount of time, depending on […]
Is It Possible to Supplement Your Pension with Tax-Free Cash?
Your pension is solid, but what if you could supplement it with tax-free money? An Indexed Universal Life (IUL) policy allows you to grow and withdraw cash tax-free when properly structured and aligned with IRS guidelines.
How Term Insurance Can Help You
One of the products that we feel is especially important to our clients is term insurance with living benefits. Recently, I’ve had the opportunity to help a very dear friend. Three years ago, I helped her purchase this policy when she was in excellent health. Unfortunately, she has been diagnosed with cancer. Just helped her […]
Don’t Put Your Financial Life At Risk
At Protection Red, we don’t work for any company, we work for you. If you work 25 to 30 hard years to build your retirement, why let one bad year towards the end dictate your retirement pay? You put your life at risk every day for us, don’t put your financial life at risk. At […]
Roth IRA Benefits with Extra Protection – Learn About IULs
Are you interested in a Roth IRA? What if I could show you a way to have the benefits of a Roth IRA, but attach market protection, all the while attaching living benefits as well? So if you were to have a medical emergency, we could access even more money than what the account grew […]
South Carolina Firefighters: Choosing the Right Pension Option for Retirement
As a firefighter in South Carolina, you’re going to have to make a decision on when you are going to retire, but you also will have to make a decision on what pension option you are going to elect at the time of retirement. Option A, this is the maximum monthly benefit available to the […]
Protecting Against the Sequence Of Returns Risk
Are you familiar with sequence of returns? If you were to retire and have a down market within the last three years, coming into your retirement age, you could lose half your retirement pay. What if we could show you a way to stay invested in the market, but have that asset protected? We could […]