Welcome to Main Street Assurance
Protecting assets with
Retirement Shield
Reduce Your Financial Risk In Retirement
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Our Financial Services
What we do for clients at Main Street Assurance
Retirement Income
Creating an income plan to last throughout retirement is perhaps the single most important challenge retirees will face. It’s very likely to spend 30 years or more living in retirement without earned income.
We create a customized retirement income plan, encompassing all sources of income, for each one of our clients and no two plans are exactly alike.
Let us get to work on a plan for you.
Asset Protection
Retirement doesn’t mean that it’s time to stop growing. Same holds true for your money. It should mean, however, that it’s time to stop taking unnecessary risk.
We specialize in helping retirees protect their retirement assets while continuing to move forward.
Family Legacy Planning
Many of our clients want to leave a legacy for their children and grandchildren and are shocked to learn how easy it is to double, even triple their inheritance – tax-free and guaranteed!
We also work with our clients and help them embrace their own mortality and be prepared for the loss of a spouse and the income burdens this can often create.
Long-Term Care Solutions
Long-term care/extended care costs have gone up substantially in the last 10 years. Unfortunately, the statistics are not in our favor, a plan to address these costs should be included in every retirement strategy.
The good news is we work with hybrid insurance plans that leverage your dollar in case you need it for extended care, but remain 100% accessible for withdrawal if you don’t.
Qualified Plan Rollovers
Changing jobs and retiring are two transition times in our lives that can be stressful. Fortunately, we work with people every day who are in the same situation and looking to take control of an employer-sponsored plan or just need help transferring the money to another employer plan. We make a seemingly daunting task easy and are happy to help you with your qualified plan questions and needs.
Here are four things you can do with the money in your employer sponsored retirement plan:
Leave the money where it is
Take the cash (and pay taxes, plus a 10% tax penalty if you are younger than age 59 ½)
Transfer the money to another employer-sponsored plan (if the plan allows)
Roll the money over to a self-directed IRA
Let us help you determine if a rollover is the right move for you!
About Us
Peter J. Gallagher
Retirement Planning Specialist
With more than 30 years of experience serving clients through banks, insurance companies, and nationally recognized Wall Street firms — including Merrill Lynch, RBC Wealth Management, and Smith Barney — Peter Gallagher has dedicated his career to helping individuals and families build, preserve, and protect their wealth with confidence.
Throughout his career, Peter has applied the principles of Modern Portfolio Theory to help clients manage investment risk through disciplined diversification, prudent asset allocation, and long-term financial planning. His approach is grounded in developing customized strategies that align each client’s goals, risk tolerance, and retirement objectives.
Peter specializes in retirement income planning, tax-efficient distribution strategies, estate and trust planning coordination, and wealth preservation. Today, his primary focus is helping retirees transition from accumulating assets to creating reliable, lifetime income through guaranteed income solutions that function much like a personal pension. His objective is to help clients reduce financial uncertainty while preserving the lifestyle they have worked a lifetime to achieve. Known for his straightforward guidance, integrity, and client-first philosophy, Peter believes successful retirement planning is about more than growing wealth—it’s about creating lasting financial confidence and the peace of mind to enjoy retirement without worrying about outliving your income.
Why should someone choose Peter Gallagher instead of thousands of other advisors?
Rather than focusing solely on growing wealth, Peter helps retirees convert a lifetime of savings into dependable, tax-efficient income designed to last throughout retirement.
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Heather Schrieber
Tax & Social Security Expert
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Heather Schreiber, RICP®, NSSA®, IRMAA-CP™ is a nationally recognized retirement income specialist, educator, author, and President of HLS Retirement Consulting. With more than 30 years of experience, she specializes in Social Security optimization, tax-efficient retirement income strategies, Roth conversions, IRA distribution planning, IRMAA mitigation, legacy planning, and long-term care strategies.
Heather partners with financial professionals nationwide, providing advanced case design and retirement planning expertise to help clients make more informed financial decisions. She is the co-editor and author of Heather Schreiber's Social Security Advisor, a companion to Ed Slott's IRA Advisor, and has been featured in The Wall Street Journal, AARP, USA Today, ThinkAdvisor, and Investor's Business Daily. Heather's education-first approach helps retirees navigate today's complex retirement landscape with greater clarity and confidence.
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Scott Soares
Long-Term Care Expert
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Scott Soares is a seasoned insurance and retirement planning professional with more than 34 years of experience specializing in long-term care planning, insurance, and annuity solutions. As a long-term care planning expert, Scott works alongside financial professionals to help individuals and families prepare for the financial and emotional challenges of extended care while protecting their retirement assets.
With extensive experience in insurance marketing, sales leadership, and advisor support, Scott is known for delivering practical, client-focused strategies and innovative solutions. His expertise in long-term care planning makes him a valuable resource for clients seeking to safeguard their independence, preserve their financial security, and create a more comprehensive retirement plan.
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Cassie Graves
Federal Benefits Expert
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Cassie Graves is a Federal Employee Benefits Specialist and Founder of Fed Options, where she helps financial professionals and their federal employee clients navigate the complexities of government retirement and benefit programs. She specializes in coordinating federal benefits with retirement planning strategies, helping employees make informed decisions before and during retirement.
Driven by a passion for education and advocacy, Cassie is dedicated to simplifying complex federal benefit programs, including FERS, CSRS, FEGLI, FEHB, and retirement eligibility considerations. Her expertise helps federal employees better understand their options, avoid costly mistakes, and maximize the value of the benefits they've earned through years of public service. Cassie is committed to providing clear, practical guidance that empowers clients to retire with greater confidence and financial security.
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A Foolproof Plan to Protect and Preserve Your Retirement
The Retirement Shield book explains in simple language and real stories how to eliminate the confusion of planning for your retirement through a simple-to-understand plan that makes sense. Each chapter focuses on one of the primary areas you need to address in order to have a safe and secure retirement. By addressing each area properly, you will be guided through the process of creating your own Retirement Shield.
