Services Klug Insurance Agency
Estate Planning & Financial Services
Plan today, protect tomorrow – with digital, cost-effective solutions you can trust.
Whether you’re preparing for retirement, exploring estate planning, establishing a digital trust, or securing life insurance coverage, Mary Klug provides comprehensive estate planning and financial services designed to protect your assets and simplify your future.
Serving individuals and families throughout Merrill and surrounding communities.
Find the Service That Fits Your Needs
Our estate planning, retirement income, and protection planning services are designed to meet these needs and more, all while keeping the process digital, accessible, and easy to understand. Choose the area that fits your goals below.
Are you looking to:
Protect Your Family and Assets?
Estate & Legacy Planning
Smooth Retirement Transition?
Retirement Strategies
Be Ready for Life’s Unexpected?
Life & Long-Term Care
Healthcare Protection?
Health Coverage
Estate
Retire
Life
Health
Estate & Legacy Planning
Protect your assets, minimize taxes, and ensure your family’s financial future with tailored estate and legacy planning.
Estate planning is not just about documents; it is about control, clarity, and protecting the people you care about most. A properly structured digital trust and asset transfer strategy can reduce probate delays, minimize taxes, and ensure your wishes are followed precisely.
Digital Trust Planning
Establish trusts that are fully recognized, managed, and executed digitally. Perfect for clients who want secure, efficient, and modern estate solutions.
Benefits:
- Secure online access for updates and management
- Simplifies administration of your estate
- Reduces probate and legal delays
Probate Avoidance
Strategies to transfer assets directly to beneficiaries without going through probate court.
Benefits:
- Faster distribution to loved ones
- Reduced legal costs and fees
- Maintains privacy for your estate
Asset Transfer & Legacy Planning
Plan how your assets (property, investments, and personal items) will be distributed to heirs or charitable organizations.
Benefits:
- Clear instructions for beneficiaries
- Aligns transfers with your personal values and goals
- Helps minimize taxes and disputes
Family Protection
Protect your family’s financial stability with carefully structured plans and legal tools.
Benefits:
- Ensures dependents are financially secure
- Supports minor children or family members with special needs
- Offers peace of mind during life transitions
Trust Funding Support
Guidance on funding your trust so it functions effectively and meets your goals.
Benefits:
- Properly transfers assets into trusts
- Avoids unintended probate or tax consequences
- Ensures your estate plan works as designed
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Can I update my digital estate plan later?
Absolutely. With digital trust planning, you maintain full control to update your estate plan anytime. This allows you to adjust beneficiary designations, trusts, or asset transfers as your circumstances or goals change.
How long does it take to set up a complete estate plan digitally?
The timeline for completing a digital estate plan depends largely on how quickly you can organize your information and documentation. Because the process is digital and client-driven, you can work through it at your own pace instead of waiting weeks for attorney appointments. Many clients complete the core setup relatively quickly, then finalize trust funding and documentation with attorney guidance to ensure everything is properly structured.
What is probate avoidance and how does it help my family?
Probate avoidance strategies ensure that your assets transfer directly to your beneficiaries without going through the court system. This reduces legal fees, speeds up distribution, and keeps your estate private while protecting your family’s legacy.
What types of trust funding support are available in Wisconsin?
Trust funding support helps you properly place assets into your trust so it functions as intended. Services include guidance on bank accounts, real estate, investments, and digital assets, reducing the risk of probate and ensuring your estate plan is fully effective.
Retirement Income & Asset Protection
Retirement income planning requires balancing growth, protection, tax efficiency, and predictable cash flow. Our coordinated retirement income and asset protection strategies help ensure your savings last while supporting the lifestyle you’ve worked hard to build.
Retirement Planning
Comprehensive retirement planning that addresses your income, savings, and lifestyle goals.
Benefits:
- Aligns investments with retirement goals
- Helps estimate future income needs
- Identifies gaps and solutions to maintain your desired lifestyle
Asset Protection
Safeguard your wealth from unexpected risks, including creditors, lawsuits, and market fluctuations.
Benefits:
- Protects retirement accounts, real estate, and personal assets
- Reduces exposure to financial risks
- Provides peace of mind during market volatility
Income Planning
Create a plan for consistent income throughout retirement, balancing withdrawals, investments, and Social Security.
Benefits:
- Avoids running out of money in retirement
- Maintains tax efficiency
- Supports your lifestyle and long-term goals
Distribution Strategies
Optimize withdrawals from retirement accounts, pensions, and investments.
Benefits:
- Minimizes taxes and penalties
- Ensures lifetime income sustainability
- Aligns with estate planning strategies
Annuities
Explore fixed, variable, and indexed annuities to create guaranteed income streams.
Benefits:
- Provides predictable income
- Reduces investment risk
- Can complement Social Security and pensions
Charitable Planning
Incorporate charitable giving into your retirement plan while maximizing tax benefits.
Benefits:
- Reduces estate taxes
- Supports causes you care about
- Creates a lasting legacy
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How can I create a retirement plan that protects my assets in Wisconsin?
Mary helps you design a personalized retirement income and asset protection strategy, including asset protection strategies, income planning, and distribution strategies. It ensures your savings last throughout retirement while minimizing tax and risk.
What is asset protection and why is it important for retirement?
Asset protection strategies safeguard your retirement savings from unexpected expenses, creditors, and market volatility. With proper planning, you can maintain your lifestyle and preserve your legacy for your family.
How does income planning work for retirement?
Income planning ensures you withdraw from retirement accounts in the most tax-efficient way, balancing Social Security, pensions, and investments. This strategy maximizes income while reducing the risk of outliving your savings.
Should I consider annuities for my retirement income?
Yes, annuities provide guaranteed income for life, helping to protect against market volatility and longevity risk. Klug Insurance helps you choose the right annuity type and integrate it into your overall retirement plan.
Can charitable planning be included in my retirement strategy?
Absolutely. Charitable planning allows you to support causes you care about while potentially reducing your taxable income. Our platform guides you on integrating charitable giving with estate and retirement planning.
Protection Planning
Life & Long-Term Care
Protect your family and yourself from financial hardship due to illness, care needs, or death.
Final Expense Insurance
Coverage designed to pay for funeral costs and immediate expenses.
Benefits:
- Prevents financial burden on loved ones
- Affordable coverage for peace of mind
Whole / Permanent Life Insurance
Lifetime protection that also accumulates cash value.
Benefits:
- Ensures financial security for beneficiaries
- Builds cash value that can be accessed during life
- Supports long-term financial planning
Term Life Insurance
Coverage for a specific period to protect dependents or repay debts.
Benefits:
- Affordable protection
- Provides a safety net for families during critical periods
Short-Term Care Insurance
Covers temporary care needs, such as recovery from illness, injury, or surgery.
Benefits:
- Helps cover in-home care or rehabilitation
- Reduces reliance on family members for caregiving
Long-Term Care Insurance
Protects against extended care costs in home or facility settings.
Benefits:
- Safeguards savings and retirement accounts
- Ensures access to quality care
- Reduces financial stress for loved ones
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What types of life insurance are available in Wisconsin?
We offer term life, whole/permanent life, and final expense insurance to protect your family and financial legacy. Each option provides different coverage levels and benefits depending on your needs.
How does long-term care insurance work and who needs it?
Long-term care insurance covers expenses for assisted living, home care, or nursing facilities. It’s crucial for individuals who want to protect their savings and ensure quality care without burdening family members.
What is the difference between short-term care and long-term care insurance?
Short-term care insurance covers temporary rehabilitation or recovery needs, while long-term care insurance covers ongoing care needs that last for years. Klug Insurance helps you determine which plan best fits your situation.
Can I combine life insurance with long-term care benefits?
Yes, some policies allow you to combine life insurance with long-term care benefits. This integrated approach ensures both financial protection and care coverage, maximizing value for your family.
How do final expense insurance plans work?
Final expense insurance helps cover funeral, burial, and other end-of-life expenses. These plans are simple, affordable, and provide peace of mind knowing your loved ones won’t face unexpected costs.
Protection Planning
Health Coverage
Healthcare protection is just as important as income protection. Proper coverage planning prevents medical costs from disrupting your retirement and estate strategy.
Ensure access to affordable healthcare coverage for all stages of life.
Medicare Advantage and Supplements
Options to complement or replace traditional Medicare coverage.
Benefits:
- May reduce out-of-pocket medical costs
- Provides additional coverage for prescriptions, dental, or vision
Under 65 Health Insurance and Marketplace Plans
Affordable healthcare options for individuals under Medicare eligibility.
Benefits:
- Covers essential healthcare needs
- Offers flexibility in plan selection
- Complies with federal health insurance requirements
Prescription Drug Plans
Coverage for prescription medications to reduce expenses.
Benefits:
- Ensures access to needed medications
- Helps manage ongoing health conditions
Indemnity Plans
Flexible plans allow freedom to choose healthcare providers.
Benefits:
- Provides broader choice of doctors and hospitals
- May include reimbursement for out-of-network care
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How can Medicare Advantage or Supplement plans help retirees?
Medicare Advantage and Supplement plans enhance original Medicare coverage by covering extra services, reducing out-of-pocket costs, and providing broader provider networks. We guide you in selecting the plan that maximizes benefits while aligning with your retirement and estate strategy.
Are prescription drug plans included in health coverage options?
Yes, prescription drug plans (Part D) are available to help manage medication costs. Klug Insurance helps you find a plan that covers your prescriptions while minimizing co-pays and premiums.
What is an indemnity health plan and who should consider it?
Indemnity plans allow more flexibility in choosing providers and hospitals while reimbursing medical costs. They are ideal for individuals seeking broad provider choice and customized coverage options.
How do I know which health coverage plan is best for my needs?
Klug Insurance will evaluate your age, health status, medications, and financial goals to recommend the most suitable health coverage. This ensures optimal protection with cost efficiency for your specific situation.
What health coverage options are available for under 65 in Wisconsin?
Klug Insurance provides access to Marketplace plans, indemnity plans, and other under-65 health insurance options. Our platform helps you compare coverage, premiums, and benefits to choose the plan that fits your needs.
Who We Serve
Strategic Planning for Every Stage of Life
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Pre-Retirees (Ages 50–65) Preparing for Financial Independence
You are within 5 to 15 years of retirement and starting to think more seriously about income, taxes, healthcare, and legacy.
At this stage, retirement planning and estate planning need to work together. Decisions about Social Security timing, asset distribution, and beneficiary designations can significantly impact long-term income and family protection.
Services that often fit this stage include:
- Retirement income planning
- Asset protection strategies
- Digital trust planning
- Annuities for guaranteed income
- Long-term care planning
- Medicare preparation
The years just before retirement are often the most important for protecting what you have built. A coordinated plan helps reduce tax exposure, protect assets from unexpected healthcare costs, and ensure your estate plan reflects your current wishes.
Retirees Focused on Income Stability & Legacy Protection
Once retired, financial priorities shift from accumulation to protection and sustainability.
Retirees often seek:
- Guaranteed or structured income streams
- Probate avoidance strategies
- Trust funding support
- Medicare Advantage or supplement guidance
- Long-term care insurance planning
The goal is simple: ensure your money lasts, reduce unnecessary taxes and court involvement, and make asset transfer easy for your loved ones. A coordinated retirement income and estate planning strategy helps prevent financial stress later in life.
Families with Minor Children or Financial Dependents
If someone depends on you financially, estate and protection planning becomes urgent.
Families benefit from:
- Digital trust planning
- Family protection strategies
- Term or whole life insurance
- Asset transfer and legacy planning
Without proper planning, courts may decide guardianship and asset distribution. A properly structured estate plan ensures your children are protected, assets are managed responsibly, and your wishes are clearly documented.
Planning now protects your family from uncertainty later.
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Individuals Experiencing Major Life Changes
Widowhood, divorce, remarriage, inheritance, or health changes all require updates to your estate plan and financial strategy.
Life transitions often mean:
- Updating beneficiaries
- Modifying trusts
- Adjusting retirement income strategies
- Reviewing health coverage and long-term care planning
Failing to update documents can unintentionally leave assets to the wrong person or create tax consequences. A digital estate plan makes it easier to adjust your strategy as life evolves.
Business Owners, Farmers & Multi-Asset Households
If you own a business, farm, rental properties, or significant assets, your planning needs are more complex.
You may require:
- Advanced asset protection strategies
- Succession and legacy planning
- Charitable planning options
- Coordinated retirement income distribution strategies
- Trust-based asset transfer planning
Without structured planning, heirs may face liquidation, tax burdens, or disputes. Proper estate and retirement coordination protects both your family and the business you’ve built.
Individuals Seeking a More Affordable, Digital-First Approach
Many people delay estate planning because they assume it must involve high attorney fees or complicated legal processes.
Mary’s digital estate planning and trust platform provides:
- Legally recognized estate documents
- Probate avoidance tools
- Transparent, flat-fee structures
- Ongoing access and update capability
- Integrated retirement and protection planning
This approach offers clarity, flexibility, and professional guidance — without unnecessary complexity.
Ready to See Where You Fit?
Whether you’re planning for retirement, protecting your family, updating an estate plan, or preparing a legacy strategy, the first step is clarity.
Schedule a consultation to receive a personalized strategy for your estate planning, retirement income, and protection needs.
How To Get Started
Client-first and results-driven
Our structured five-step estate planning and digital trust process ensures clarity, efficiency, and full compliance. This includes:
Initial presentation and intake form
Short, easy-to-understand educational video
Compare digital vs. traditional trusts
Assistance in funding and organizing assets for the trust
Attorney-guided finalization and notarization
What Our Clients Say
See what clients are saying about their experience with estate planning, retirement strategies, and protection planning.
Take Control of Your Estate, Retirement, and Protection Plan Today.
Schedule your estate planning consultation or call to reserve your private appointment.
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