Laadt & Freiser Financial

Helping you secure your financial future.

Most individuals and families regard insurance, financial, retirement and long term care planning, and estate and business planning as complex and confusing issues. Because of this they tend to put off taking action and miss out on potentially rewarding financial opportunities. Inaction often results in unnecessary risks and places your financial future in jeopardy.  And procrastination never solves anything.  It only complicates matters.

This is where Laadt & Freiser Financial can help. Our goal is to take the mystery out of investing, managing risk, preparing for retirement, and preserving wealth. By providing you with the information and resources you need, together we can design and implement a sound financial strategy for attaining your financial goals. 

 Office Locations:

John B. Laadt, MBA, CPCU, CLTC
250 Montauk Highway
East Moriches, NY 11940
Phone: 631 878 2853
Fax: 631 207 8480
 
Munro I. Freiser, JD*, CLTC
191 Erik Drive
East Setauket, NT  11733-6424
 
Phone: 516 682 3447
Fax:     516-364-3647
Email: mfreiser@northridgesecurities.com   

*Licensed but not practicing law on
 behalf of any insurance carrier     
Calculators

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

More Calculators →

Newsletters

Help Keep Your Estate Out of Probate

Anyone who has seen an estate go through probate knows that it's the legal equivalent of having a tooth pulled. But just like tooth decay, probate may not be entirely avoidable.

Using a Variable Annuity for Guaranteed Income

One recommendation from the White House Task Force on Middle Class Working Families was for retirees to consider purchasing annuities to help provide a stable income. Investors who want their retirement portfolios to go the distance might want to learn more about variable annuities.

Put It in Writing

A high level of job satisfaction is fairly typical of business owners, but it can also be a hindrance if it keeps them from thinking about a planned exit strategy. A written exit plan could help you avoid surprises.

Deciding When to Begin

Waiting until full retirement age (or up to age 70) to claim Social Security may result in significantly higher monthly benefits. At age 62, the earliest age to claim Social Security, the amount received could be only 70% of the benefit received at "full retirement age" (which ranges from age 65 to 67 depending on year of birth).

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