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Protecting Your Needs, Wants, and Wishes
Ginas Financial is an independent agency in Huntersville, North Carolina, licensed in eleven states. You work directly with Tom Ginas, who has spent more than 25 years in retirement and insurance planning and holds the CFF, RICP, CMIP, and NSSA designations.
Services
Retirement Income
We specialize in retirement income planning to help individuals achieve their financial goals during their golden years.
Medicare Benefits
Ginas Financial offers comprehensive Medicare benefits that can help you manage your healthcare expenses effectively.
Life Insurance
Life insurance offers protection to your family and loved ones after you pass away, providing them with a financial benefit to cover lost income, final expenses, and future needs.
Long Term Care
Ginas Financial provides comprehensive long-term care insurance that offers financial protection and peace of mind for individuals and their families.
Asset Protection
Contractually, guaranteed returns. Asset protection is an important consideration for anyone seeking to safeguard their wealth and assets.
Dental, Vision, Hearing, & Other Insurance
Adding dental, vision, hearing, and other insurances to your portfolio can provide comprehensive coverage beyond what Medicare typically offers
You Work Directly With Tom
Tom Ginas has spent more than 25 years in retirement and insurance planning. Whether the question is lifelong income, Medicare enrollment, or long-term care, you talk to him directly — not a call center, and not a different person each time.
A Plan Built on Your Numbers
Every plan starts with what you already have: your income sources, your existing coverage, and the gaps between them. You get a clear picture of where you stand, and what it would cost to close those gaps, before you decide anything.
What the First Call Looks Like
You book a call. Tom asks what you already have in place and what you are trying to decide. You will hear what your options are and what each one would cost. The call takes about twenty minutes, and there is no charge for it.
Helping a Parent or Spouse Decide?
A lot of people reach this page on someone else's behalf. If that is you, here is what you would probably want to check first.
Tom Ginas founded Ginas Financial in 2011 and has spent more than 25 years in retirement and insurance planning. He holds four designations — Certified Financial Fiduciary, Retirement Income Certified Professional, Certified Medicare Insurance Planner, and National Social Security Advisor — and is licensed in eleven states. Ginas Financial is an independent agency, so products come from a range of carriers rather than a single one. The agency's North Carolina insurance license is #1000122834.
A first call costs nothing and nothing is decided on it. If you would like to sit in, you are welcome to.
Frequently Asked Questions
Please contact us if you cannot find an answer to your question.
What is a deductible?
In case of a loss, a deductible is the sum that you are accountable for paying out-of-pocket, while the insurance covers the remaining amount.
What are the benefits of Annuities?
Annuities are a type of financial product that offer a range of benefits to investors. One of the most significant benefits is the opportunity to receive a fixed income stream for a specified period or even for life. This feature can provide retirees with a stable and predictable source of income, which is especially important for those who may have limited sources of income during retirement. Another advantage of annuities is their tax-deferred growth potential. Earnings on an annuity are not subject to taxes until they are withdrawn, which can help investors maximize their savings over time. Additionally, annuities can offer a variety of options and features, including death benefits and long-term care coverage, which can help individuals and families better manage their financial risks. Overall, annuities can be an attractive option for those seeking a reliable and predictable source of income, along with potential tax benefits and additional features.
How soon after I enroll will my Medicare benefits begin?
If you enroll in Medicare during the Initial Enrollment Period (IEP) within the first three months, your coverage will begin on the month you turn 65. In case you enroll in the birth month, benefits will start the following month. However, if you enroll one month after your birthday, you will have to wait for two months before your coverage begins.