Our mission is to make sure that Americans are able to have a successful retirement. We do this by educating Americans about Social Security, Medicare, Medicaid and Medi-Cal, and to protect Americans from the devastating costs of long-term care.
We have found that many Americans have been given bad information about Social Security, (how much they will receive, when should they begin to access it&.), Medicare (what does it cover and not cover, should they use it alone or supplement it, what about Part D, and what are parts A, B, and C), Medi-Cal (federal name Medicaid) (should they plan on it) and the probability of needing long-term care (what are their chances of needing it, what does it cost, what does it do to the family of the person being cared for if not planned for).
Families do not realize how important long-term care insurance is until they are uninsurable or actually need long-term care. We don't want that to happen to you!
We specialize in retirement planning by coordinating public (Social Security, Medicare, Medi-Cal /Medicaid) and private strategies and represent several high quality, financially sound Medicare Advantage, Medicare Supplement, and long-term care insurance companies. We can assist you in designing the proper plan for you and your family.
Stephen Cravitz Financial Services is a diversified Financial Services Insurance General Agency, owned by Stephen R. Cravitz Certified Senior Advisor/ LUTCF. He and his staff work directly with clients, as well as assisting investment advisors and professional Independent agents, who wish to provide full financial services for their clients.
Steve and his staff have assisted thousands California families, by designing, and implementing insurance plans that protect their independence as well as preserve their life savings. They represent more than 12 highly rated; long-term care national insurance companies 10 health insurance companies and over 30 equally rated life insurance companies.
Steve is an instructor, on the subject of Long-Term Care, for insurance agents needing continuing education credits to renew their Insurance licenses in California. He is a recognized expert in this area and is one of a handful of professionals who are allowed by the State of California to teach the California Partnership Long Term Care continuing education course. He has taught continuing education courses all over the state.
Stephen Cravitz has been a leader in the senior market. One of the reasons for the impressive growth of this agency is his commitment to excellence. Commitment to high standards is apparent in his professional guidelines he has developed:
- To be knowledgeable concerning the product and benefits so that his client receives accurate and thorough information.
- To honestly and ethically recommend to his clients those products that will meet specific needs.
- To treat all clients with respect.
- To provide outstanding customer service.
- To conduct himself in a professional and competent manner.
Medicare Supplements: Providing the ability to fill in the holes that stand alone Medicare leaves.
Long-Term Care: Providing affordable solutions to long-term care needs at home assisted living, adult day care and nursing homes to prevent "spend down" to qualify for Medicaid/Medi-Cal.
Income Enhancement: Lifetime income guarantees with immediate annuities.
Insurance Solutions: To enable the estate to pay death and estate taxes for "pennies on the dollar" rather than dollar for dollar.
Stephen Cravitz educates seniors about their alternatives first and then assists them to implement the proper solutions. Seminars are held regularly in California. For dates and locations of the next seminar call (661) 977-3204
Phone today with any question you might have and to learn if we can help you, too.