Cindy Formella
Your Black Belt Insurance Agent
10 Years of experience in the Financial Services, Health and Life Insurance Space. I have helped thousands of clients with customized financial management and insurance products improving their lives immediately. Financial income plans that map out your income after retirement. Health insurance requires active participation between my clients and I in order to keep people in the best plans every year. When you work with me you get a life long partner who is vested into living your best healthy and wealthy life. Giving you piece of mind to sleep at night worry free.
"Your Health and Life Educators, Knowledge is Power"
Specializing in Retirement Solutions
Your Future, Our Commitment
At Black Belt Insurance Group, we believe that insurance is more than just a policy—it's a commitment to safeguarding your future and ensuring the well-being of you and your loved ones. That's why we are dedicated to offering you the best options, empowering you to confidently make informed decisions. Annual and quarterly portfolio reviews to keep you on track with your annual income plan. Fast changing markets require diversification to keep you healthly with financial products that have health benefits. Taxation mitigation is integral part of your retirement plan.
Educating with Clarity
We understand that investments and insurance can be complex. That's why we take the time to educate you using clear and understandable terms, transforming intricate information into accessible knowledge. We produce for you a "Color of Money" risk analysis for you and then a annual income plan that keeps you on track based on your risk tolorence. We tie all facets of your retirement plan together: Risk Tolerance, Income plan, Insurance, taxes, wills and trusts and lastly a generational vault to keep all your important documents and digital media. Your Income Plan is custom generated for you to know exactly what your income is every year till you pass. This is created using a team of professionals including certified financial planners, CPA's for taxes and attorney's for trusts.
Our Motto: "Your Financial, Health and Life Educators, Knowledge is Power"
Annual Reviews and Customization
We prioritize your needs by reviewing your financial portfolio quarterly and insurance requirements annually. Each year we customize your Medicare health plans during Annual Enrollment Period. This guarantees that your coverage remains aligned with your changing circumstances.
Special Offers
We believe in adding value to our services. Here are some special offers
we provide:
- Color of Money Report created to see your risk tolerance and from that analyze if your investments are properly aligned.
- Generate a customized annual income plan (what you actually will have to spend each month).
- Social Security maximization report.
- Taxes how to pay less in retirement planning.
- Estate Planning: Trusts, Wills, POA for financial and healthcare.
- Generational Vault for keeping all important documents safe and any video of last wishes.
- Free Consultation: Discover great extras such as food, over-the-counter benefits, utilities, dental, hearing, and vision.
- Help with Senior Resources: We provide guidance in accessing all types of senior resources.
- Free Medicaid Assessment: See if you qualify for Medicaid.
- Assistance with Federal Drug Subsidy Applications: We offer free help applying for the Low Income Subsidy (LIS) for full extra help.
Empower yourself with the right insurance choices today. At Black Belt Insurance Group, we're here to support you every step of the way.