RETIREMENT & INCOME PLANNING
Retirement Income You Won't Outlive.
Foxworth Insurance Agency offers retirement planning guidance in Charlotte, NC — Social Security timing, pension decisions, annuities, healthcare costs and legacy planning, coordinated with your tax and legal professionals.
Licensed in NC · SC · VA | Multiple carriers compared
Free consultation · Independent · Licensed NC · SC · VA
How we help you plan
Plans & Coverage Options
Social Security
Optimization
Claiming age strategies, spousal and survivor benefits, break-even analysis.
Pension
Planning
Lump sum versus monthly income, survivor elections, pension maximization.
Tax-Aware
Retirement
Withdrawal order, Roth considerations, IRMAA thresholds, with your CPA.
Retirement Income
Coordination
How accounts, pensions and guaranteed income fit together.
Early Retirement
Planning
Bridging health coverage before 65, ACA subsidies, income sequencing.
RMD
Awareness
Distribution ages, deadlines, penalties, and the Medicare premium effect.
Healthcare & Medicare
Planning
Medicare premiums, IRMAA surcharges, prescription and long-term care costs.
Annuities & Guaranteed
Income
Fixed and indexed annuities, lifetime income riders, deferred income options.
Estate & Legacy
Planning
Life insurance for wealth transfer, beneficiary reviews, with your attorney.
Retirement for Business
Owners
Key person and buy-sell insurance, succession funding, executive benefit strategies.
What We Do
Medicare, Life Insurance, Income Strategy, Social Security Timing, Veteran Plans, Legacy Funding, ACA, Supplemental Plans and Retirement Planning.
Who We Bring In
Your CPA for tax, your attorney for documents, your investment professional for portfolios.
How we work
Our Process for Financial Planning
1
We Listen First
A free 15-minute call about your needs.
2
Compare
We shop multiple carriers for your fit.
3
Relax
Enroll with help — we stay close after
Let’s find your right plan.
Schedule Your Financial Planning Consultation
Choose a time that works for you on the Foxworth Insurance Agency booking page. The secure scheduler connects directly with the agency team.
STAY AHEAD OF THE DEADLINES
Get The Free Guide, Stay in The Know.
Download the 2026 Free guide and get occasional updates on deadlines and plan changes.