Based in Richmond, Virginia, Kathleen Pitcher is Southern Virginia's premier provider of Long Term Care and Disability Insurance. Also, as a financial counselor, she helps to manage your financial portfolio and achieve your short and long-term goals.
Driven by energy and compassion, Pitcher Financial Services strives to ensure that you and all Americans have the secure future and retirement you deserve.
Ms. Pitcher has earned several awards for her work in Long Term Care. She has the experience and knowledge necessary to guide you to the future you’ve always planned on.
We offer full insurance services, so you can focus on everything else.
With our expertise and know-how, we'll help you save money, reduce stress, and focus on you're real priorities.
Choosing a life insurance plan can be intimidating. That's where Pitcher Financial Services comes in. We will guide you through all your options, so you can choose the right amount of coverage for your needs.
We provide life insurance, annuity, disability and long term care to individuals, small businesses and corporate clients. Our services are tailored to the unique needs of each client. We work as part of your team, understanding your needs and what matters to you.
✓ Trust | ✓ Expertise |
✓ Accuracy | ✓ Experience |
✓ Confidentiality | ✓ Professional |
Have you ever known anyone who needed nursing home care or parents who needed their children‘s help with bathing, dressing, toileting, changing diapers, assisting with a transfer from a wheelchair to a bed? Maybe mom or dad needed help with preparing meals or eating those meals? How about those who have Alzheimer’s or dementia?
Long term care is when you can no longer take care of yourself and need assistance with those activities of daily living. or cannot function due to memory loss. If you or a loved one needs long-term care, consider your options before going to a nursing home.
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If you're like most people, you want to be able to stay in your own home as you age. And that's understandable. After all, your home is likely where you feel most comfortable and safe. Fortunately, there are ways to make that happen. One option is to get home care through your insurance. Most insurance plans, including Medicare, cover some home care services. Having home care through your insurance can give you peace of mind. You'll know that you have someone to help you with the activities of daily living. And you won't have to worry about going to a nursing home or other facility. If you're interested in getting home care through your insurance, call your insurer or visit their website. They can tell you what home care services are covered under your plan.
While this question may seem like it has an obvious answer, many people wait too long to purchase life insurance and then can only afford enough to pay final expenses. At that point, they think of it—more appropriately, perhaps—as burial insurance. The real purpose of life insurance, however, is to ensure that the people you love will be able to go on living—without undue hardship—in the event of your untimely death. It takes a spouse about three years to recover financially, rearranging bills and adjusting to one paycheck, after a partner dies. If children are involved, the adjustment takes an average of five years if both partners had received an income. If one parent had a lower income or had been staying at home to raise the children, that individual will have to go out and find work. The work is often service work of an unskilled nature. Thus, his/her income will need to be supplemented at least until the children are grown.
People who have significant wealth to the point that life insurance is not a necessity often purchase life insurance as a legacy, intending for the proceeds to benefit a charity or provide an education for grandchildren. It can also provide a means of keeping a business going if the key person dies, or a way for heirs to pay taxes on a large estate.
Owning enough life insurance to completely provide for your family may sound like an impossibility. However, with the right kind of policy and thoughtful financial planning, it isn't as difficult as you may think.
Life insurance comes in three basic types, whole life, universal life—also known as UL—and Term. Each of those types has multiple modifications, depending on the company. Thus, while we can educate you here, it is still important to work directly with a licensed representative of a company of your choice. The company is not legally responsible if you purchase a contract that contains clauses you did not understand. It is your responsibility to understand the type of insurance you purchase as well as any particular variations created by the company.
The type of insurance you need depends both on your current needs and on your future goals. If you are putting money aside for retirement and have plans in place for final expenses, you may only need a policy that would provide for your family while the children are young. In that case, a Term policy would be fine. If, however, you want some choices in the future, including the possibility of cash that can be added to your retirement assets, you should consider an Annuity.
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