Business Insurance

Business Insurance/Buy-Sell Agreements

Life Insurance

Estate Planning

Our services
Estate Planning Review
At Joy Retirement Advisors we will work with a team of specialists who will help you prepare and execute an estate plan that is right for you and your beneficiaries.

Retirement Income Projection Report
We will help you create a retirement income plan that balances:
  • Daily Living Expenses
  • Budgeting for Luxuries & Quality of Life
  • Planning your Social Security Benefits for Maximum Results (Social Security can add $1M to your retirement fund)
  • Factoring in Pensions Withdrawal Strategies
  • Factoring in both Expected & Unexpected Medical Expenses
  • Planning for the Unexpected and the Inevitable

Social Security Maximization  
One of the most imperative decisions you can make in regards to your retirement is when to start receiving your Social Security benefit.

There are pros and cons to delaying your benefit, as well as receiving it as soon as you become eligible - at age 62. We can help you navigate this process by showing you precisely what to do, and at what time, to maximize your Social Security Benefit.

Insurance Products Offered

Life - Individual and Senior
Health - Medicare Supplements and Senior Health
Disability - Individual and Senior
Long Term Care - Individual and Senior



Fixed Annuity
Fixed Indexed Annuity
Single Premium Immediate Annuity


College Planning for High School Students

Navigating the college selection process amidst today's academic landscape can be daunting. With our extensive experience, we specialize in aligning your high school student's background with colleges that complement their achievements and accomplishments.

Throughout this journey, we engage in thorough discussions about various colleges, ultimately selecting those that resonate both with the student's aspirations and the colleges' ethos. The final decision is one that fosters mutual benefit, culminating in a well-rounded plan for academic and personal growth.