John Ferroni graduated from Ashland University in 1982 with a major in business and a minor in economics. After spending 23 years in the New York City area working with financial planners and training other insurance personnel around the country to better serve their clients, John moved to Georgia and opened IPS. He specializes in issues like protecting assets and retirement income.
Now with over 30 years of experience in the industry, you can rest assured that John understands that it’s all about peace of mind. He helps clients by listening to their needs and helping make sure they do not outlive their money. His goal is to help his clients so they feel safe while still taking advantage of the market’s upside potential.
RETIREMENT INCOME STRATEGIES
IPS breaks down their retirement strategies into two parts:
1. Helping grow retirement wealth through diversified tax-deferred tactics.
2. Helping show you how to distribute income so that it is guaranteed to last your lifetime, and is taxed at the least possible rate.
John’s team works with many types of annuities to find the right solution for your needs. In some cases, it may be a fixed indexed annuity to build tax deferred accumulation and provide you with a guaranteed lifetime income, while giving you protection of your assets.
In other cases, the solution could be a combination of a fixed indexed annuity and an immediate annuity to keep your income levels where you need them, and possibly lower the taxes you owe due to Social Security.
LIFE INSURANCE SOLUTIONS
Life insurance provides pure protection against loss of a spouse or partner, preventing you from being forced to change your financial lifestyle. In addition, we can use Indexed Universal Life to help build tax-deferred cash and distribute it in the form of guaranteed lifetime income that could be tax-free.
LONG-TERM CARE INSURANCE
Long-term care planning helps to cover long-term care costs that many retirees face in the future. LTC planning can be included with your annuity or life insurance plan, to best suit your needs.
John and his team can review your whole financial picture, possibly bringing in estate planning attorneys and/or CPAs to advise on the legal and tax implications of your plan.
LICENSES & ACCREDITATIONS
AREAS OF EXPERTISE
- Retirement Planning
- Estate Planning
- Asset Management
- Risk Management