Pinnacle Financial Group, Inc.

The belief that having health insurance through your company means you don’t need separate insurance is a common myth.

Facts:

1. Job Changes or Losses: If you change jobs, lose your job, or your company changes its insurance policy, you could lose your coverage. Having a separate individual policy can provide continuity and peace of mind.

2. Coverage Limits: Employer-sponsored insurance might not cover all your healthcare needs. Coverage limits and exclusions in the company’s policy might leave you with significant out-of-pocket expenses. Individual insurance can offer more comprehensive coverage tailored to your needs.

3. Dependents and Family: Employer-sponsored plans may not provide adequate coverage for your dependents. A separate family health insurance plan can ensure your entire family is well-protected.

4. Control and Customization:
With an individual policy, you have more control over your coverage options, including the choice of providers and the types of treatments covered. This flexibility can be crucial for managing specific health needs.

Portability: Individual health insurance policies are portable, meaning they stay with you regardless of employment changes. This stability can be beneficial in the long term.

While employer-sponsored health insurance is a valuable benefit, relying solely on it can be risky due to potential changes in employment and coverage limitations. Assessing your specific health needs and considering an individual health insurance policy can provide additional security and comprehensive coverage for you and your family.

🎒 Back-to-School is here!

As we prepare our kids for another school year filled with learning and growth, it’s also a great time to ensure their future is secure.

Life insurance is a crucial step in protecting your family’s financial stability and peace of mind.

💡 Why Consider Life Insurance Now?

1. Peace of Mind: Knowing that your loved ones are financially protected allows you to focus on enjoying life’s moments.
2. Affordability: Lock in lower premiums while you’re younger and healthier.
3. Future Security: Help cover future educational expenses and ensure your child’s dreams can come true.

📚 Get a Head Start This School Year:

- Explore different life insurance options to find what best suits your family’s needs.
- Consult with a trusted advisor to understand the benefits and coverage details.
- Take action now to build a solid foundation for your family’s financial future.

As you shop for school supplies and prepare for the new academic year, remember to include life insurance in your checklist.

☀️ It’s an investment in your family’s future that offers priceless peace of mind. 🙏

Ready to learn more?

Contact the experts at Pinnacle Financial Group at 954-601-9555 for a free consultation!

No need to cross fingers. Have protection for life, and maybe some peace of mind. Get your life insurance while you can! 🌟 is unpredictable, but your financial future doesn't have to be. Secure your peace of mind with a robust life insurance plan tailored to your needs.

Whether you're starting a family or planning for retirement, life insurance ensures your loved ones are protected no matter what.

Don't wait until it's too late – take action today and safeguard your tomorrow.Let's discuss how we can create a personalized strategy to protect what matters most. Contact me to learn more! 💼✨

Ricky Gonzalez
President and CEO
Pinnacle Financial Group, Inc

At Pinnacle Financial Group, our team of dedicated financial advisors works together to craft custom, comprehensive plans that prioritize both your well-being and wealth goals.

Our holistic approach ensures a well-rounded, sustainable plan designed to safeguard your assets, mitigate risks, and maximize growth potential. 🌟

Whether you're just starting your career or looking to protect and grow your wealth as you approach retirement, our solutions are tailored to meet your specific needs.

🏢 As a boutique, independent firm, we believe true financial management goes beyond mere numbers on a balance sheet. We take the time to forge personal connections, gaining a profound understanding of how money and asset protection intertwine with your broader life objectives. 🏢

Our objective is to become your trusted advisor, skillfully guiding you through the intricate landscape of personal finance and insurance, adopting a holistic approach every step of the way. 💼💡

Save our contact information
https://qr.link/SZVNg8

🌟 Meet Our Founder 🌟

Julio (Ricky) Gonzalez, RMIP™ President and CEO

With over two decades of experience, Julio (Ricky)
Gonzalez, RMIP™, stands as a trusted advisor and
financial strategist, helping individuals and
businesses achieve their financial aspirations to
secure a prosperous future.

As founder, president, and CEO of Pinnacle Financial
Group, Ricky Gonzalez leads a team of people
dedicated to providing cutting-edge financial
solutions with the goal of giving our clients peace
of mind. Our personalized guidance is tailored to
address each client's unique needs and goals.

Secure your family’s future.
☎️ Contact us today for expert advice and guidance at 954-601-9555.

💻 Visit www.pinnacleflorida.com

🌟Main Reasons You Should Get Life Insurance 🌟

1. Financial Security for Loved Ones
Life insurance provides your family with financial support in your absence, covering daily living expenses, mortgage payments, and educational costs.

2. Debt Repayment
Life insurance can help settle outstanding debts, such as loans, credit card balances, and medical bills, ensuring your loved ones aren't burdened.

3. Income Replacement
If you are the primary breadwinner, life insurance replaces your income, allowing your family to maintain their standard of living.

4. Funeral Expenses
Life insurance can cover funeral and burial costs, which can be significant, sparing your family from additional financial stress during a difficult time.

5. Peace of Mind
Knowing your family is financially protected gives you peace of mind, allowing you to focus on enjoying life without worry.

📝 Secure your family's future with life insurance.

☎️ Contact us today for expert advice at 954-601-9555 or visit www.pinnacleflorida.com.

Retirement Income Essentials

1. The 4% Rule May Not Work
The traditional 4% rule suggests withdrawing 4% of your savings annually in retirement. However, advisors now debate this, suggesting anywhere from 2% to 5%, or using different strategies to mitigate market risks.

2. Inflation Is Real
Inflation erodes your income's buying power over time. For example, a gallon of milk that cost $1.32 in 1970 was $2.90 in 2018. Your retirement plan must address inflation, as it significantly impacts your future expenses.

3. Sequence of Returns Risk
Market timing affects your retirement funds. If the market drops early in your retirement, you may deplete your savings faster than if it drops later. This "sequence of returns" risk is crucial in retirement planning.

4. Longevity
The Social Security Administration highlights life expectancy: men reaching 65 today may live until 84, and women until 86.5. About 1 in 3 will live past 90. Your plan should ensure your funds last through a potentially long retirement.

📝 Plan wisely, live comfortably!

🌟Where financial success meets peace of mind.

☎️ Contact us today for expert consultation at 954-601-9555 or visit www.pinnacleflorida.com.

Everyone asks this question at some point in their life🌟

But if you're struggling with the answer then this post might help you out?

Ask yourself these questions and come up with a decision that works for you.

If you're looking for professional help

DM for FREE Life Insurance Policy Review and Investment Review on your Policies

Follow us at or send us an email at [email protected]. We will get back to you as soon as possible.

Ricky Gonzalez, CEO

If you're a physician in my network, I'm happy to announce that Pinnacle Financial Group, Inc. has secured contracts with:

- Guardian
- Mutual of Omaha
- Ameritas
- Principal
- Standard
- MassMutual
- John Hancock

We can now quote you the top 8 National LTDI Carriers.

Send me a DM for details.

Having Disability Insurance is a must for all Physicians, Dentists, and Medical Professionals, as well as Business Owners and High-Net-Worth Individuals.

We also offer Disability Buy-Out and Business Overhead Insurance.

If you understand the importance, you won't be sold anything. Let us quote you the best rates based on your niche's True Own-Occupation riders and Non-Cancelable Policies.

Ricky Gonzalez
President
Pinnacle Financial Group, Inc.

I'm hiring a few Financial Advisors to work around the Tri-state County. I'm hiring them personally.

Miami
Broward
West Palm Beach.

You'll have access to amazing products to enhance your practice or join us as 1099.

Medicare
Long-term Care
Disability Insurance
Life Insurance. (Mostly high end uses of Life for Business Owners and HNW Individuals)
Retirement Planning using amazing Annuities with great Par Rates and Riders)

We cater to Physicians, Business Owners, and High Net Worth Individuals .

Wr pay street level compensation and you get paid directly from the carriers.

Call me personally if interested.

PD. If you are out of our office Field Area, we can also have positions for out of state agents.

Ricky Gonzalez
President and CEO
Pinnacle Financial Group, Inc.

Check out the latest article in my newsletter: How you can close deals successfully as an insurance broker using assertiveness techniques? https://www.linkedin.com/pulse/how-you-can-close-deals-successfully-insurance-broker-julio-ricky--q5jqe via LinkedIn

Ricky Gonzalez

www.linkedin.com

Good evening, all friends.

As most of you know, I'm the President and CEO of Pinnacle Financial Group, Inc.., in Weston, FL.

We are a full-service Financial and Insurance Boutique shop that caters to HNW Individuals, Physicians, Business Owners, and Retirees.

Services we provide, among others, are:

1. Retirement Planning
2. Life Insurance for individuals, all types: FEX, FIUL, Term, WL.
3. Medicare Planning
4. Disability Insurance Solutions
5. Long-term Care Insurance, both premium-paying regular LTC and Asset-Based-LTC.
6. Business Uses of Life Insurance: Buy Sell Agreements, Business Valuation Planning, Executive Compensation Plans, Key Man Insurance, etc.

We are recruiting agents across the nation, as we're expanding now to hit our goal of 150 agents by September 1st.

If you are a solo producer or an Agency Owner that needs access to top compensation, true independence, Day 1 Vesting, help understanding Annuities, big-ticket Life Insurance Policies, Medicare, both Advantage and Supplemental, with amazing back office support for Advanced Markets, or you feel you can do more with your book of business, cross-selling Ancillary products, please don't hesitate to reach out.

Let's have an honest conversation about where you are vs where you want to be.

Best Regards,

Ricky Gonzalez
President and CEO

Or if you are a client of ours and want to leave a comment below, or have a question, please don't hesitate to call me.

May God Bless us all!

A personalized approach enables OneAmerica to support you as efficiently and wholeheartedly as possible, so that you can focus on the love and attention only you can give. OneAmerica has resources and guidance available to you online, 24/7. Visit oneamerica.com/claims to learn more.

https://oneamerica-3.wistia.com/medias/hv15aflrbx

OneAmerica strives to make it easy for you to care for your loved one, even if you’re miles away. Your designated Care Benefit Concierge will walk you through submitting your claim and help you in any way possible. Let’s talk about the ways the OneAmerica claims process can support you and your family through some of the most challenging times in life.

There’s care only you can provide, like preparing their favorite meal or doing their nails just right. That takes time. OneAmerica gets it. They’re committed to supporting you when you need it. Specialists will take care of your claim, so you can invest more of your time on what matters most – your loved one.

When submitting a claim, you’ll be assigned a designated Care Benefit Concierge, who will handle your claim from Day One. The same care specialist will be there for you the entire way through. Let me help you get that level of personalized service for you and your loved ones.

Leading with Heart: Compassion and Commitment in Financial Services

In the world of financial services, leadership isn't about titles; it's about heart. People are looking for more than just guidance on their financial journey; they're seeking someone who genuinely cares about their well-being and future.

At our agency, I've always believed that true leadership is defined by compassion, integrity, and a genuine commitment to helping others succeed. We don't need fancy titles to inspire trust and loyalty; we just need to care.

Leadership with heart fosters a culture of collaboration, mutual respect, and shared success. It's about listening to our clients' concerns, understanding their goals, and providing tailored solutions that prioritize their financial well-being.

As we continue to navigate the complexities of the financial landscape, let's remember that leadership is a privilege that comes with the responsibility to uplift and empower others. Together, we can make a meaningful impact and create a brighter financial future for all.

Julio (Ricky) Gonzalez, RMIP™
President and CEO
Pinnacle Financial Group, Inc.

Adjusting to the reality of long-term care can be challenging, but OneAmerica is here for you. They’ll go the extra mile to ensure your peace of mind. Is that something you’d be interested in? Let’s talk.

SOLD OUT!!!!

The week has come, Thursday, March w 21st..

Hey there, South Florida agents! I've got some exciting news to share with you all. You've been asking for it, and now it's finally happening!

Get ready to mark your calendars because on March 21st, we're hosting an unmissable event in Weston, FL. Join me and Joanna Wyckoff with TopFlight Insurance Solutions LLC as we dive into the ins and outs of Retirement Planning, Social Security, and Medicare Workshop.

With over 25 years of experience as a Financial Advisor, and the President and CEO of Pinnacle Financial Group, Inc. I'm thrilled to announce our partnership with TopFlight Insurance Solutions LLC. Together, we're on a mission to empower agents across Florida to soar to new heights in the Senior Market.

Don't miss out on this opportunity to gain valuable insights and strategies that will take your business to the next level. Let's make waves together in the world of insurance and financial planning. See you there!

Scan the QR Code for the RSVP. Very limited space at Midtown Athletic Club Weston

See you there!

The week has come, Thursday, March w 21st..

Hey there, South Florida agents! I've got some exciting news to share with you all. You've been asking for it, and now it's finally happening!

Get ready to mark your calendars because on March 21st, we're hosting an unmissable event in Weston, FL. Join me and Joanna Wyckoff with TopFlight Insurance Solutions LLC as we dive into the ins and outs of Retirement Planning, Social Security, and Medicare Workshop.

With over 25 years of experience as a Financial Advisor, and the President and CEO of Pinnacle Financial Group, Inc. I'm thrilled to announce our partnership with TopFlight Insurance Solutions LLC. Together, we're on a mission to empower agents across Florida to soar to new heights in the Senior Market.

Don't miss out on this opportunity to gain valuable insights and strategies that will take your business to the next level. Let's make waves together in the world of insurance and financial planning. See you there!

Scan the QR Code for the RSVP. Very limited space at Midtown Athletic Club Weston

See you there!

When a OneAmerica policyholder needs long-term care, you can rest assured knowing they’ll take as much off your plate as possible. That way you can focus on providing the love and attention only you can give. Call or message me anytime to learn more.

https://oneamerica-3.wistia.com/medias/43n48o1gpq

OneAmerica is touted as one of the ‘top two providers of hybrid life insurance policies’ in this recent Forbes article. When professionals and others in financial services talk about long-term care protection, OneAmerica companies are a key player and consistently in the conversation.

How Hybrid Life Insurance Pays For Long-Term Care There’s a good chance you’ll need long-term care as you age. But if you’re like many Americans, you likely don’t have a plan to pay for this sort of care. The cost of long-term care (LTC) insurance can be a deterrent to getting coverage. “Traditional plans have a bad rap because there have...

"Contemplating life insurance? Ensure a solid foundation for your financial future with these essential steps:

1. **Understand Your Options:** Term life and whole life insurance serve different purposes. Term life offers coverage for a specific period, while whole life provides lifelong protection with a cash value component. Assess your current and future needs to determine which aligns best with your goals and budget.

2. **Evaluate Your Financial Responsibilities:** Before deciding on the coverage amount, take stock of your financial obligations. Consider factors such as mortgage payments, outstanding debts, future education expenses, and ongoing living costs. Your life insurance policy should provide enough coverage to safeguard your loved ones' financial stability in the event of your passing.

3. **Thorough Policy Examination:** Don't overlook the importance of thoroughly reviewing the terms and conditions of any life insurance policy you're considering. Pay close attention to details such as premiums, coverage limitations, exclusions, and potential riders. Understanding these aspects ensures you're aware of what your policy covers and any circumstances that may affect its benefits.

Choosing the right life insurance policy requires careful consideration and planning. Make informed decisions that align with your long-term financial goals and provide peace of mind for you and your family.

"

With The Quantum Group – I just got recognized as one of their top fans! 🎉

Shine your true colors, y’all! Pick up your 2024 Rainbow 5K registration packet from 12 PM NOON to 5 PM today in The Pride Center lobby!

There’s still time to register for tomorrow’s technicolor festivities and join the vibrant party-in-motion. Whether you’re a leisurely tortoise or a speedy gazelle, you’re welcome to strut your stuff and make a difference. We can’t wait to shimmy, shimmy, shake together some fitness and fun. Support your wellness and your community!

Hey there, South Florida agents! I've got some exciting news to share with you all. You've been asking for it, and now it's finally happening!

Get ready to mark your calendars because on March 21st, we're hosting an unmissable event in Weston, FL. Join me and Joanna Wyckoff w TopFlight Insurance Solutions LLC as we dive into the ins and outs of Retirement Planning, Social Security, and Medicare Workshop.

With over 25 years of experience as a Financial Advisor, and the President and CEO of Pinnacle Financial Group, Inc. I'm thrilled to announce our partnership with TopFlight Insurance Solutions LLC. Together, we're on a mission to empower agents across Florida to soar to new heights in the Senior Market.

Don't miss out on this opportunity to gain valuable insights and strategies that will take your business to the next level. Let's make waves together in the world of insurance and financial planning. See you there!

Scan the QR Code for the RSVP. Very limited space at Midtown Athletic Club Weston.

Register below!

Retirement, Social Security & Medicare Workshop for Agents

Date: Thu, Mar 21 • 10:00 AM EDT

Location: 2300 Royal Palm Boulevard, Weston, FL 33326

https://www.eventbrite.com/e/retirement-social-security-medicare-workshop-for-agents-tickets-835151439437?aff=ebdsshother&utm_share_source=listing_android

Pinnacle Financial Group, Inc. Empowering doctors, HNWIs, business owners, & retirees with smart insurance & investment solutions.

Dennis Martin, president of Individual Life and Financial Services, shared financial management guidance during a pandemic in a Q&A feature with USA TODAY and Mediaplanet USA’s Planning for your Future campaign. Dennis was among the industry experts and well-known influencers to offer analysis and practical tips for weathering the storm and planning for the future.

Two Experts Explain Finance Management During a Pandemic - Business and Tech Dennis Martin, president of Individual Life and Financial Services at OneAmerica and Jay Jackson, CEO of Abacus, answer questions about financial security during this unstable economic climate and what people can do to protect themselves.

🔎 CANCER & LIFE INSURANCE: NAVIGATING OPTIONS 🤔

For those facing cancer, securing life insurance involves considering various factors:

💡Cancer Type & Stage: Eligibility hinges on the type and stage of cancer.

🔄 Remission Status : Increased chances if in remission.

🎂 Age & Lifestyle: Age and lifestyle choices impact your options.

💼 No Medical Exam Insurance: If standard insurance is challenging, explore 'No Medical Exam Insurance' with minimal medical info, though it may come with higher premiums and lower death benefits.

⏳ Term Life & Whole Life: Understand the differences - term life has a set period, while whole life is lifelong with cash value. Both often require health details and a possible medical exam.

🌟 Life Insurance Riders: Consider Terminal Illness Riders' that allow early access to a portion of the death benefit if diagnosed with a terminal illness.

💡 Using Insurance for Treatment: Leverage life insurance cash value to cover expenses. Explore options like the 'Accelerated Death Benefit Rider.'

In essence, securing life insurance while dealing with cancer is complex. Full disclosure and financial advice are crucial for informed decisions.

Contact us today!







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