When and how should I turn on SS?

It’s different for every person. Depending on if you are a widow/widower, married or divorced or single for life, there may be different options available to you when considering turning on social security. It may be beneficial to consult with a social security professional to determine what’s best for your specific situation.

When am I eligible for Medicare?

65 is when you are first eligible. If you continue to work and have insurance coverage through your employer, you can delay and you will have a special enrollment period once you retire.

Have I saved enough to retire or when can I retire?

This is one of the most common questions we get. This is different for every person depending on the goals they have set. It’s important to consult with a professional to discuss your retirement goals to set an appropriate retirement date.

Should I or when should I start reducing the risk in my investments?

Typically, you should start paying close attention to your level of risk at least five years out from retirement. At Cloud Investments, LLC, we take a RiskFirst® Approach to monitor your risk ensuring that it aligns with your retirement goals. However, depending on income needs and amount saved this can vary from person to person.

Depending on the situation, some people absolutely need a trust. If you have a child receiving disability benefits and you have them named as a beneficiary this could interrupt their benefits. Another example of where a trust may be beneficial, is if you are concerned about an heir not utilizing their inheritance wisely. Other instances for the need of a trust could be due to the size of an estate, concerned beneficiaries will disagree about use of assets, want to avoid probate, etc.

Cloud Financial, Inc. | Huntsville, AL

Name: Cloud Financial, Inc and Cloud Investments, LLC
Address: 200 Clinton Avenue West, Suite 1020, Huntsville, AL, 35801, US
Telephone: (256) 715-0094

Simplifying Retirement in North Alabama
Complimentary Consultations | Fiduciary Care | Locally Owned

(256) 715-0094

Our Mission
Your go-to retirement resource for the community. We provide education and planning services to those at and near retirement.

Our Vision
Inspiring confidence by simplifying retirement.

Now Offering Virtual Consultations
Submit your request today to set up a live video consultation with Cloud Financial, Inc and Cloud Investments, LLC from your smartphone, tablet, or computer!

REQUEST CONSULTATION

What We Do

INCOME PLANNING

TAX STRATEGIES

LEGACY PLANNING

SOCIAL SECURITY MAXIMIZATION

INVESTMENT MANAGEMENT

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Fill out this short form and a Cloud Financial, Inc and Cloud Investments, LLC representative will contact you the next business day.

Important Notes:
For all virtual consultations, we will contact you to schedule a day and time.
For Zoom, any smartphone or computer is able to join a Zoom call, and you do NOT need to have a Zoom account to join your virtual meeting. If you are going to use your phone or tablet, you will need to download the Zoom Cloud Meetings app to join the meeting.

Contact Details:

200 Clinton Avenue West
Suite 1020
Huntsville, AL 35801

Phone: (256) 715-0094

cloudfinancial@cloudfinancial.com

Monday - Friday: 8:30am - 5:00pm
Saturday - Sunday: Closed

201 S Court Street
Suite 530
Florence, AL 35630

Phone: (256) 715-0094

cloudfinancial@cloudfinancial.com

Monday - Friday: 8:30am - 5:00pm
Saturday - Sunday: Closed

750 Forrest Avenue
Gadsden, AL 35901

Phone: (256) 715-0094

cloudfinancial@cloudfinancial.com

Monday - Friday: 8:30am - 5:00pm
Saturday - Sunday: Closed