Who We Serve
Teachers, Fire Fighters & Law Enforcement
Federal/Postal Service Employees
Helping FRS and FERS Plan For Retirement
Now Rest Assured provides full retirement planning services catering to the unique needs of public sector & federal employees and their families.
Our mission is to help public, CSRS and FERS employees make their income last their entire lifetime because they deserve to have a happy and secure retirement.
Retirement planning can be confusing with so many 403(b) / 457(b) supplemental and deferred compensation retirement income plan options available.
We have the knowledge and experience you need to answer your questions and provide a personalized analysis of your unique financial situation.
With your best interests as our top priority, we will help you customize a plan to save and invest for a retirement designed for success.
Contact us today for a no-cost consultation.
How To Plan For Retirement
Planning for Retirement can seem to be a daunting and uneasy undertaking that is often put off to the point of detriment.
A Smart Retirement Planning tip is that one should save a total of about 20% of their earnings during a typical working career to secure enough savings to live comfortably during your retirement years.
For most, typically 3% – 5% would go into towards a state/local pension or 401(k) Plan for Retirement. That leaves another 10% remaining to close the expected income gap. Now, this is assuming that the savings begin around age 25.
For late starters, a Retirement Planning recommended monthly savings rule of thumb is to add a zero to your age (e.g. $300 at age 30, $400 at age 40, etc.).
Protect Your Retirement Plan From a Market Crash
There are several ways to Protect Your 401k Before a Market Crash.
If your retirement plan is active with a current employer or not, you should have several investment funds to choose from.
They range from aggressive to conservative in risk nature.
It’s common that most plans allow the owner to reallocate the current balance and future contributions in between these options.
To determine where to put your money before the market crashes, you’ll have to research the performance trends.
This is the simplest of strategies to eliminate market risk from your retirement immediately.
To recap, there are simple strategies for mitigating market risk in your retirement plan today.
Helping You Choose The Right Life Insurance
Term Life Insurance vs Whole Life Insurance
Determining whether Term or Whole Life Insurance is the best for your situation often causes many to choose neither.
Term Life Insurance (temporary) or Whole Life Insurance (permanent) polices offer different advantages.
The ideal answer is really based on what stage of your life cycle you are trying to cover.
For anyone who is planning during their younger years (early/mid-career, first-time homeowners, new parents, etc.), Term Life Insurance is much more cost effective.
As you age and begin the path towards the golden years, Whole Life Insurance plans may begin to make more sense.
Let's Talk About Living Benefits inside Life Insurance
Living Benefits Life Insurance has gained popularity over the last decade.
Living Benefits (technically termed Accelerated Benefit Riders) provide insurance protection against the costs associated with contracting specified illnesses while you are alive.
When it comes to the pros and cons of Living Benefits life insurance, the upside most definitely outweighs the one only real downside – which is that any money claimed in advance is deducted from the final death benefit payout on your passing.
Some ponder as to why choose Living Benefits Life Insurance because they are not sure if the cost differential is worth it.
So, is Life Insurance with Living Benefits worth It?
Most consumers and insurance professionals would agree on a resounding yes!
Many top-rated life insurance companies actually offer AB Riders (Living Benefits) at no additional cost.
Put simply, life insurance could be the most important purchase you ever make.
We offer a wide variety of products and services from term to permanent life insurance – because life happens.
When you’re planning for your family’s future, it’s important to cover all your bases.
Should you pass away unexpectedly, you want to help your family have the means to live comfortably.
Do you have the right type and amount of coverage? Coverage during work years and in retirement.
Provides an additional income in the case of:
Terminal Illness
Chronic Illness
Critical Illness
Critical Injury
Provides an additional income in retirement (Tax Free).
Hi, I'm Roy Valentin!
I can't wait to help you!
For as long as I can remember, I have been serving the needs of others.
It all started with my first job as a Library Aide in Chicago, and then over 20 years of working in the specialty retail industry in Miami, FL.
From the very start of my professional development, I learned the value of being a servant leader and always lived by the golden rule.
This led me down the path to becoming a consummate consumer advocate, driven by my passion for unselfishly helping others.
Eventually, I found myself in the financial services and insurance industry where my main focus has been to educate people on how to find the best fit and value for themselves and their families.
I strongly believe that a one-size-fits-all approach just doesn't work!
My mission is to provide my clients with assistance in understanding and making the right decisions when it comes to insurance and retirement.
With my skills, knowledge, and experience, I help my clients meet their established goals.
My personal goal is to become a lifetime resource for my clients and give them greater confidence in choosing their financial plan.
Roy Valentin
7330 Ocean Terrace CU-01
Miami Beach, FL 33143
305-910-1314
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