Business Details
Your Trusted Retirement Planning Partner in Folsom, CA
Freedom Financial & Insurance Services has been dedicated to empowering retirees and pre-retirees with comprehensive financial strategies for over 25 years. Our founder, Mike Cunningham, specializes in retirement lifestyle protection, focusing on tax efficiency and guaranteed income planning. We help clients maximize Social Security benefits, navigate long-term care costs, and implement strategies to double retirement income by minimizing taxes and investment losses.Our education-based approach ensures clients understand complex financial decisions while creating customized plans that align with their unique goals. With a commitment to transparency and client-centric service, we prioritize long-term relationships built on trust and proven expertise.
Services
Asset Protection
Family Legacy Planning
Extended Care Solutions
Retirement Income
Sequence of Returns
Highlights and features
- We offer 25+ years of specialized retirement planning expertise
- Our tax-efficient strategies maximize Social Security benefits
- We provide hybrid insurance solutions for long-term care costs
- Our non-pressure educational approach empowers informed decisions
- Customized plans address unique retirement income requirements
What people say
Extremely knowledgeable
Non-pressure style
Helped understand options
Customized planning process
Integrity and transparency
Services
Asset Protection
Help retirees protect assets while continuing growth. Focus on minimizing risk and ensuring financial security during retirement. Tailored strategies safeguard against market volatility and unexpected expenses.
Family Legacy Planning
Create tax-free inheritance strategies for clients. Assist with succession planning and spousal income protection. Develop customized solutions to maximize family financial legacies.
Extended Care Solutions
Address rising healthcare costs through hybrid insurance plans. Provide flexible solutions that protect assets while maintaining withdrawal options. Help clients prepare for potential care needs.
Retirement Income
Develop customized income strategies lasting 30+ years. Coordinate all income sources for optimal results. Focus on creating sustainable cash flow throughout retirement.
Sequence of Returns
Mitigate market volatility impact on retirement income. Implement strategies to protect against adverse market conditions during withdrawal periods. Ensure portfolio longevity through strategic planning.
People
Mike Cunningham
Retirement Planning Specialist
With over 25 years of experience, Mike Cunningham specializes in retirement income strategies. He focuses on tax efficiency and guaranteed income planning while helping clients maximize Social Security benefits and manage long-term care costs.
Questions
What retirement planning services do you offer?
We provide asset protection, legacy planning, income strategies, long-term care solutions, and market risk management tailored to individual retirement needs.
How do you help with Social Security optimization?
We educate clients on maximizing Social Security benefits through strategic claiming decisions and tax-efficient withdrawal planning.
What makes your approach different?
Our education-based, non-pressure approach focuses on personalized planning with emphasis on tax efficiency and guaranteed income strategies.
Do you work with clients outside Folsom?
While based in Folsom, we serve clients throughout Sacramento and El Dorado Hills areas with personalized financial planning services.
How are your long-term care solutions structured?
We offer hybrid insurance plans that provide care coverage while maintaining withdrawal flexibility if care isn't needed.
What experience does your team have?
Our lead advisor has 25+ years of specialized experience in retirement income planning and tax-efficient financial strategies.
