Life’s next adventure is waiting.

Start planning for your retirement with
Secure Family Benefits.

Life’s next adventure is waiting.

Start planning for your retirement with
Secure Family Benefits.

Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.

Secure Family Benefits is an independent firm, specializing in helping individuals and families transition into retirement with safety. Our approach focuses on tailored retirement planning strategies, insurance solutions and Medicare planning to provide our clients with guaranteed lifetime income, asset protection and peace of mind with their healthcare.

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Planning Process

Retire with Confidence.

Our three-step planning process works to help identify and implement suitable financial strategies for helping our clients meet their needs and achieve their goals and objectives for retirement.

Start Smart

Apply Discipline

Communicate Progress

Start Smart

Get a Clear Understanding of Your Financial Life

First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.

Six Fundamental Financial Planning Considerations

Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.

Longevity

Outliving financial assets as the result of a longer life

Liquidity

Limited access to assets to meet life’s unexpected financial needs

Inflation

Reduction in real purchasing power as the result of increasing cost of living

Market

Unexpected reduction in the value of financial assets at the time of withdrawal

Mortality

Loss of financial assets as the result of a partner’s or spouse’s death

Taxes

Decreasing income and assets and/or the impairment of legacy assets from increasing taxes

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Apply Discipline

A Retirement Strategy Designed for You

Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

Income Planning

Design an income plan that delivers dependable income and financial security throughout your retirement.

Social Security Optimization

Understand the benefits you are entitled to and how to maximize Social Security income in retirement.

Long-Term Care Planning

Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

Legacy and Estate Planning

Protect your estate and loved ones from unnecessary taxation and probate with proactive estate plannings strategies.

Life Insurance

Life insurance is essential for ensuring financial security for your dependents, covering daily living expenses, debts, and income replacement in the event of your untimely death. It supports business continuity, aids in estate planning by covering taxes, and provides peace of mind. Working with a reputable agent ensures you get the right coverage to meet your needs.

Under 65

The Affordable Care Act (ACA), or Obamacare, was enacted in March 2010 to make health insurance affordable, expand Medicaid, and support innovative medical care delivery. Key features include health insurance marketplaces, tiered coverage levels, essential health benefits, and protections for pre-existing conditions. Despite changes to the individual mandate, open enrollment periods remain essential for accessing ACA-compliant plans.

Medicare
Medicare is a federal health insurance program primarily for individuals aged 65 and older, as well as for certain younger individuals with disabilities or specific diseases. It is divided into four parts: Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage), and Part D (prescription drug coverage). Eligibility includes age and specific conditions, with various enrollment periods and costs such as premiums, deductibles, and coinsurance. Medigap policies can help cover additional costs not paid by Original Medicare.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
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Apply Discipline

A Retirement Strategy Designed for You

Next, we design a retirement strategy that actively works to optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.

 

College Funding

Make the investment in your child or grandchild’s future with the gift of collect education through life insurance.

Income Planning

Design an income plan that delivers dependable income and financial security throughout your retirement.

Long-Term Care Planning

Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

Legacy and Estate Planning

Protect your estate and loved ones from unnecessary taxation and probate with proactive estate plannings strategies.

Retirement Savings Optimization

Increase you or your loved one’s future retirement income with a tax-efficient, capital leveraging strategy.

Social Security Optimization

Understand the benefits you are entitled to and how to maximize Social Security income in retirement.

Tax Planning

Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.

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Communicate Progress

Our Commitment to You

Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.

  • Annual Review

  • Monthly Newsletter

  • Educational Events

  • Client Events
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Team

Read about the advisor and staff and learn the history of the business. See contact information for each person and click to email or call individuals in the business.

Edward Schott

I am dedicated to ensuring security and reliability in my services, driven by a cautious mindset. Starting with Medicare assistance, I expanded to understanding Social Security and retirement planning for stable incomes. Along with my experience, I hold life and health insurance licenses in at least 10 states and continuously pursue further education.
 
My wife, Jody, and I live in Murfreesboro, TN and are very active in our church. We love to travel and spend time with our adult children as they have begun their own families. Let me use my expertise and credentials to help you navigate life’s uncertainties confidentially. 

Jason Herring

My insurance career started in 2010 with the Hartford. From day one, I was hooked on the joy and satisfaction of helping to protect families from the unexpected. In 2016, I took a leap of faith and started my own company as an independent agent. Being independent allows me to always do what is right for the client, not the insurance company. We offer solutions in an unbiased manner, ensuring that the client is always placed with the best company for their needs.

I live in Murfreesboro, TN with my beautiful wife Lori and our three girls. We have attended the Smyrna Church of Christ for 20 years, where I serve as Deacon.

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Resources

Featured Financial Articles.

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