Talk to Winn Tutterow: (843) 388-7209   |   winntutterow@comcast.net

It’s never too late to take the first step or get a second opinion.

If you can envision the life you want to lead, we can help you develop a strategy to keep you on the path to your goal.

It’s never too late to take the first step or get a second opinion.

If you can envision the life you want to lead, we can help you develop a strategy to keep you on the path to your goal.

Contact Winn Tutterow:
(843) 388-7209
winntutterow@comcast.net

You’ve worked. You’ve planned. You’ve saved. Now what?

Making the transition from working to retirement isn’t always as straightforward as it sounds.
There are a lot of things to think through and plan for, such as:

  • Do I have enough money to last through my retirement?
  • What if I need to use my retirement savings because of an unexpected illness or unplanned home expense?
  • How can I make sure I’m taking enough out of my savings each year to continue my current lifestyle, but not so much that I’ll run out of money?
  • Will I still be able to take my annual vacation?
  • Will I be able to leave anything to my grandchildren?
  • When should I start taking Social Security?
  • What should I do about increasing taxes and inflation?

At The Tutterow Agency, helping you identify and work toward your financial goals is our top priority. We can help you think through the “what-ifs” and develop a strategy to keep you on track to financial independence.

As you prepare for retirement and what should be some of the best years of your life, you deserve to have a confident, independent retirement that includes a steady and reliable stream of income that will last as long as you do.*

We can help.

ABOUT

The Tutterow Agency

The team at The Tutterow Agency is here to help ensure you receive all the assistance you need, not only in developing your retirement income strategy, but in maintaining it throughout your retirement.

We proudly serve residents and their families of the South Carolina Coast and Lowcountry by offering the following services: Retirement income strategies, fixed annuities, life insurance, asset protection, tax minimization strategies and long-term care.

Meet Winn Tutterow
As the owner and president of The Tutterow Agency, Winn Tutterow has 30 years’ experience focused on helping clients work toward their retirement dreams through a well-thought-out strategy for retirement income.

To Winn, service and commitment are everything, for his faith, his family, his clients and his community. Born and raised in Lowcountry, Winn has lived and worked in the area for the majority of his life and developed a deep connection to the community. That passion is distinctly evident when he meets with clients and their families. He is dedicated to serving retirees and pre-retirees over the age of 55 and giving them the service and results they deserve, focusing on minimizing risk and minimizing taxation while creating opportunities for interest growth.

Winn is an insurance-licensed producer and agent in South Carolina. When meeting with clients, he takes the time to truly understand his clients’ goals before helping them develop strategies  for their future. His business philosophy is to never have more money at risk in the market than you can afford to lose.

Away from the office, Winn enjoys golf, reading and boating. He and his wife of more than 39 years, Mary, reside in Mount Pleasant, South Carolina. They are blessed to have two children. Their eldest daughter is mentally and physically challenged. She has taught her family a great deal about love, patience, humility and the value of every human being. Inspired by their daughter, Winn and Mary founded www.healingfarm.org to offer day programs for young adults with special needs. Mary also authored www.TheHeartoftheCaregiver.com, a course for overwhelmed caregivers.

SERVICES

To develop a financial plan for your future, it’s important for your financial professional to see a complete, 360-degree view of your financial picture.

We use insurance products, such as fixed annuities, to help you build financial strategies. From tax minimization strategies to protecting your assets — we’ll cover as many bases as possible to help you create a strategy that puts you on the path to an independent retirement.

Thanks to new prescription drugs and medical technology, people are living longer than ever before. However, one drawback to a longer life is the greater possibility of outliving your savings – creating all the more reason to develop a retirement income plan designed to last a longer lifetime.

A significant investment loss in the years just prior to and/or just after you retire can have a devastating impact on the level of income you receive over the course of your life. In fact, the earlier a loss occurs, the greater the chance of depleting your retirement savings.

We can help you design an income plan incorporating insurance and investment vehicles to create opportunities for long-term growth as well as guarantee income throughout your retirement.

Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products.

Retirement income plans are not just for the wealthy. As you near retirement, the traditional strategy has been to move growth-seeking products to more conservative fixed-income products. This may have worked fine back when retirement was only expected to last five to 10 years.

These days, however, people are living longer. It’s not unusual for someone retiring at age 65 to live to age 90 or longer. You should consider that you may need to plan for your nest egg to potentially last 25 to 30 years.

Time doesn’t stand still, and neither does money. That’s why you can use time to your advantage when investing for wealth accumulation.

The longer you invest, the more time your money has to compound interest. If your portfolio has not fully recovered from losses in recent years, you may wish to consider a more aggressive allocation to make up for lost ground and get back on track to accumulating wealth.

However, given recent lessons learned in stock market investing, it is important to remember that more conservative retirement plans typically have only a portion of the assets invested in the stock market. Other allocations should be set aside for more conservative investments and/or secured income contracts. After all, the last thing you want to do is lose wealth during the next market correction.

In recent years, we’ve seen that aggressive and conservative products, both domestic and global, can move in tandem with one another. In other words, we have experienced market scenarios in which there is very little safety anywhere — even for diversified portfolios.

Twenty-first century asset protection calls for more than just strategic asset allocation. Product allocation — buying instruments that can protect your portfolio from negative returns early in retirement — is generally considered a more effective means of protecting assets.

Diversifying your retirement assets among a variety of vehicles — both insurance and investment oriented, depending on what is appropriate for your situation — may offer you the best chance of meeting your retirement income goals throughout your lifespan.

Life insurance isn’t for those who have died—it’s for those who are left behind. When shopping for life insurance, consider needs such as replacing income so your family can maintain its standard of living, as well as paying for your funeral and estate costs.

As a rule of thumb, you should seek coverage between five and seven times your gross annual income. As far as the various types of policies go, they can generally be placed into one of two categories: term and permanent.

Term insurance generally provides coverage for a specified period of time and pays out a specified amount of coverage to your beneficiary only if you die within that time period. You pay the same amount of premium from the first day of the policy until the term ends. Permanent insurance, on the other hand, does not need to be renewed. A permanent insurance policy will stay permanently in effect for the rest of your life so long as premiums continue to be paid.

We can help you determine if a rollover is the right move for you, and we can help find the best vehicle to help conserve and grow your rollover assets.

When you change jobs or retire, there are four things you can do with the money in your employer-sponsored retirement plan:

  • Leave the money where it is
  • Take the cash (and pay income taxes and perhaps a 10% federal penalty tax if you are younger than age 59½ )
  • Transfer the money to another employer plan (if the plan allows)
  • Roll the money over into an IRA

Rolling over from one qualified plan to another qualified plan allows your money to continue growing tax-deferred until you receive distributions in retirement. We can help you determine if a rollover is the right move for you, and we can help find the best vehicle to help conserve and grow your rollover assets.

Thanks to new prescription drugs and medical technology, people are living longer than ever before. However, one drawback to a longer life is the greater possibility of outliving your savings – creating all the more reason to develop a retirement income plan designed to last a longer lifetime.

A significant investment loss in the years just prior to and/or just after you retire can have a devastating impact on the level of income you receive over the course of your life. In fact, the earlier a loss occurs, the greater the chance of depleting your retirement savings.

We can help you design an income plan incorporating insurance and investment vehicles to create opportunities for long-term growth as well as guarantee income throughout your retirement.

Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Insurance and annuity product guarantees are subject to the claims-paying ability of the issuing company, and are not offered by Global Financial Private Capital.

Retirement income plans are not just for the wealthy. As you near retirement, the traditional strategy has been to move growth-seeking products to more conservative fixed-income products. This may have worked fine back when retirement was only expected to last five to 10 years.

These days, however, people are living longer. It’s not unusual for someone retiring at age 65 to live to age 90 or longer. You should consider that you may need to plan for your nest egg to potentially last 25 to 30 years.

Time doesn’t stand still, and neither does money. That’s why you can use time to your advantage when investing for wealth accumulation.

The longer you invest, the more time your money has to compound interest. If your portfolio has not fully recovered from losses in recent years, you may wish to consider a more aggressive allocation to make up for lost ground and get back on track to accumulating wealth.

However, given recent lessons learned in stock market investing, it is important to remember that more conservative retirement plans typically have only a portion of the assets invested in the stock market. Other allocations should be set aside for more conservative investments and/or secured income contracts. After all, the last thing you want to do is lose wealth during the next market correction.

In recent years, we’ve seen that aggressive and conservative products, both domestic and global, can move in tandem with one another. In other words, we have experienced market scenarios in which there is very little safety anywhere — even for diversified portfolios.

Twenty-first century asset protection calls for more than just strategic asset allocation. Product allocation — buying instruments that can protect your portfolio from negative returns early in retirement — is generally considered a more effective means of protecting assets.

Diversifying your retirement assets among a variety of vehicles — both insurance and investment oriented, depending on what is appropriate for your situation — may offer you the best chance of meeting your retirement income goals throughout your lifespan.

Life insurance isn’t for those who have died—it’s for those who are left behind. When shopping for life insurance, consider needs such as replacing income so your family can maintain its standard of living, as well as paying for your funeral and estate costs.

As a rule of thumb, you should seek coverage between five and seven times your gross annual income. As far as the various types of policies go, they can generally be placed into one of two categories: term and permanent.

Term insurance generally provides coverage for a specified period of time and pays out a specified amount of coverage to your beneficiary only if you die within that time period. You pay the same amount of premium from the first day of the policy until the term ends. Permanent insurance, on the other hand, does not need to be renewed. A permanent insurance policy will stay permanently in effect for the rest of your life so long as premiums continue to be paid.

We can help you determine if a rollover is the right move for you, and we can help find the best vehicle to help conserve and grow your rollover assets.

When you change jobs or retire, there are four things you can do with the money in your employer-sponsored retirement plan:

  • Leave the money where it is
  • Take the cash (and pay income taxes and perhaps a 10% federal penalty tax if you are younger than age 59½ )
  • Transfer the money to another employer plan (if the plan allows)
  • Roll the money over into an IRA

Rolling over from one qualified plan to another qualified plan allows your money to continue growing tax-deferred until you receive distributions in retirement. We can help you determine if a rollover is the right move for you, and we can help find the best vehicle to help conserve and grow your rollover assets.

Contact Us Today

To schedule a time to discuss your financial future and the possible role of insurance in your financial strategy, call us at (843) 388-7209 or send an email to winntutterow@comcast.net today!

We are an independent financial services firm helping individuals create retirement strategies using a variety of insurance products to custom suit their needs and objectives.

Please be advised that The Tutterow Agency is unable to provide advice regarding investments. Any transaction that involves a recommendation to liquidate funds held in a securities product, including those within an IRA, 401(k) or other retirement plan for the purchase of an annuity, can be conducted only by individuals currently affiliated with a properly registered broker-dealer or registered investment advisor. For guidance on your security holdings, please consult with an Investment Adviser Representative or Registered Representative.

*Any references to lifetime income streams on this website refer only to fixed insurance products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company.  Annuities are not FDIC insured.

The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned.  The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.

We are an independent financial services firm helping individuals create retirement strategies using a variety of insurance products to custom suit their needs and objectives.

Please be advised that The Tutterow Agency is unable to provide advice regarding investments. Any transaction that involves a recommendation to liquidate funds held in a securities product, including those within an IRA, 401(k) or other retirement plan for the purchase of an annuity, can be conducted only by individuals currently affiliated with a properly registered broker-dealer or registered investment advisor. For guidance on your security holdings, please consult with an Investment Adviser Representative or Registered Representative.

*Any references to lifetime income streams on this website refer only to fixed insurance products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company.  Annuities are not FDIC insured.

The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned.  The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.