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Asset Protection and Build Wealth




When preparing for your family's future, it's important to cover your bases. Protection can be an important key to success. We're dedicated to serving our clients and their families with the solutions and support to help them with their long-term wellness. That's why we offer a range of flexible products to suit personal needs.


While no one can predict the future, your actions today could help safeguard your family’s long-term financial security.

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Retirement Solutions

Where are you on your journey? Small decisions, big impacts I would like help understanding retirement accounts. How can my money work for me? And how can I prepare myself with smart saving and budgeting habits? Investing for retirement doesn't stop at an employer-sponsored retirement plan. Individual retirement accounts (IRAs) are available to bolster your strategy and offer independence and tax-advantaged growth even if you don't have an employer-sponsored plan. IRA products and related services and investments are available for you.

Income for Life

Protect your income. Tailor your retirement strategy to your needs. A 65-year-old man today can expect to live to 84; a woman will typically live to 86. One out of four 65-year-olds will live past 90 and one in ten will live to at least 95. With good planning, these could be the best years of a person’s life. If you want to learn how to help your retirement strategy supplement your retirement income, you may want to think about protecting your income with an annuity.

Annuities can offer optional benefits that may give you the opportunity for a tailored retirement strategy. Think about what you want your retirement investment to do for you.

Life comes in stages So should your benefits. Many of today’s major medical plans come with a high deductible, often sticking policyholders with the bill. Having a strategy in place to address the potential financial setbacks of unexpected injury or illness is important. We offers flexible solutions for just about any scenario. After all, we’ve been helping people achieve financial security for more than a century.

Retirement Guidance

Let us be your scout! Living well tomorrow starts with the wealth and health habits we form today. Whether you’re just starting out, need a few reminders on how to stay on course, or could use some advanced tips on how to make your retirement investments work for you, this is a great place to start. Here we'll offer budget and health basics, a primer on investing, and downloadable resources you can complete on your own, or share with your financial professional. Choose where you are on your journey below to get started.

JUST STARTING OUT. It starts with a paycheck. When you create a savings account, set up an emergency fund, and develop smart physical and financial strategies, you have a better chance of keeping your budget in a happy place. As you find firm financial footing, consider ways that might help you protect against the unexpected and increase your wealth potential

Disability Insurance

Your ability to earn a living is far and away your largest asset. Learn how to protect your paycheck if you become unable to work in the event of sudden injury or illness.

Think about it. What would happen if suddenly, due to an illness or injury, you were unable to work?

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Without your paycheck, how long would you be able to make your mortgage or rent payment, buy groceries or pay your credit card bills without feeling the pinch? If you’re like most, it wouldn’t be long at all: Half of working Americans couldn’t make it a month before financial difficulties would set in, and almost one in four would have problems immediately, according to a Life Happens survey.¹

That’s where disability insurance comes in. Think of it as insurance for your paycheck. It ensures that if you are unable to work because of illness or injury, you will continue to receive an income and make ends meet until you’re able to return to work.

You don’t hesitate to insure your home, car and other valuable possessions, so why wouldn’t you also protect what pays for all those things—your paycheck.

Explore this section to learn more about the different sources of disability income protection and ways to get coverage.

Long-Term Care Insurance

Long-term insurance may be your best option if you develop chronic illness or become disabled and can no longer care for yourself for an extended period of time.

Did you know that neither your health insurance nor Medicare would pay for extended long-term care services in the event that you needed them in the future?

If you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time, you’ll need long-term care services.

And they aren’t cheap. 

The median cost for a home-health aide for an eight-hour day is more than $44,000 a year, while nursing care in a facility with a private room has a median cost of almost $84,000 a year. As life expectancies increase, so does the duration of long-term care needs, and the financial burden may end up falling on your loved ones after you’ve run through your own life savings.

At HJP Lakes Accounting & Financial Solutions, we take great pride in our ability to deliver value and provide superior customer service.  If you value personal care and attention, expert knowledge and execution, the convenience of bundled packages and billing, and one-stop-shop for additional services we offer, then we’re the right choice for you.   We stand by our commitment to our clients.  We promise to always do right by our clients and will always place their interests above our financial gain.  Please let us know if we can be of any help to you.






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