About

Boyd is a licensed insurance agent and helps people 55 and over create a more safe and secure future.

Boyd’s unique income planning process is second to none in scope and clarity. His approach gives his clients the peace of mind they are searching for in retirement, all by following his uniquely powerful planning process and using his simple-to-understand income tool.

Boyd provides safe solutions that help his clients secure their money, provide lifetime income, and be better prepared for healthcare-related concerns in retirement. Boyd has built his practice on sound, safe and guaranteed products and strategies that help his clients find more peace of mind as they move through their retirement years.

For nearly 15 years, Boyd Casselman has helped hundreds of individuals and couples be better prepared for and better navigate through their retirement years.

Boyd is the oldest of 10 children. He and his wife, Marciea, have been married for 36 years, have four children and five grandchildren. Boyd collects fine art, enjoys bike riding, golfing, watching quality movies, playing card games, and traveling. He enjoys helping his clients and loves spending time with his family and close friends.

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The Casselman Method

Safe Money

How can you protect and grow your nest egg in uncertain times?

One of the best ways to protect and grow your assets is to place some of your nest egg into fixed index annuities. These annuities are designed for those who are or have become risk-averse. Fixed index annuities give the annuity owner peace of mind, knowing their money is safe from market downturns, while safely growing those assets as the stock and bond markets increase in value.

Income For Life

How you can ensure that you will never run out of the money you need for the rest of your life?

Fixed index annuities are primarily designed for safe accumulation, but they can also be used to generate single or joint lifetime income streams that pay income on a level or increasing basis. Different from annuitized contracts or single premium immediate annuities where the contract owner trades his cash for a promise of lifetime income, fixed index annuities offer you income for life while allowing you to keep your cash value within the annuity. As part of an income plan, fixed index annuities with or without lifetime income can be a valuable and powerful tool to ensure that you never run out of money.

Long-term Care

What is the best way you can to prepare for the likelihood of long-term care expenses?

Unlike traditional long term care insurance that is a use-it-or-lose-it proposition, there are newer and better choices for transferring some of the risk of long-term care expenses to an insurance company. These new insurance products became available around 2010 by way of legislation passed in 1996 and 2006. In essence, these new policies are a special kind of guaranteed life insurance that allows the insured or insureds to access a death benefit to pay for long-term care while alive—many times income tax free. The beauty of these life insurance linked benefit policies is that any unused death benefit remains as death benefit and is paid to the policy’s beneficiary upon the death of the insured.

Lost Income

How can you replace income that will disappear at the death of a spouse?

It is a fact that most women will outlive their husbands. It is also true that most wives will experience a reduction in income at the death of their spouse. This is due to the loss of a social security check as well as the possibility of the loss of all or part of a pension payment or payments. The best way to replace any lost income is by way of a truly guaranteed life insurance policy that will pay a tax-free benefit to a surviving spouse. These policies can be used to replace any or all of the lost income at a spouse’s passing.

Legacy Planning

What is the best way to leave a financial legacy to others?

Some of us do not “plan” to leave assets to others, but others want to leave a tax-free legacy behind. This is possible with the same type of life insurance used to replace lost income—with guaranteed life insurance. How to maximize that insurance depends on how the premium payments are structured. Whether the insurance is being funded by way a single premium or payments over a lifetime, with qualified or non-qualified funds, by way of direct payments to the insurance company or with the use of a single premium immediate lifetime annuity, only those who properly plan and strategize will maximize a financial legacy plan.

FAQ

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WHO IS BOYD CASSELMAN?

Boyd is a licensed insurance agent in the State of Utah. His clients, typically aged 60 and older, are looking for guidance before and throughout their retirement years. Boyd specializes in safe asset accumulation, lifetime income, income replacement, long-term care, and legacy planning strategies.

WHAT IS BOYD’S PLANNING PROCESS?

First, Boyd takes the time to get to know his clients and understand their unique circumstances. He then creates a thoughtful and comprehensive plan that mirrors the client’s unique needs, including a powerful income planning tool not offered by other advisors. Boyd takes the time to educate each client about any and all recommendations in a clear and easy-to-understand way. Rather than feeling sold to or pressured to make a change or implement a strategy, Boyd’s clients feel “empowered.” The knowledge he provides helps them make good and informed decisions for themselves.

HOW LONG DOES THE PLANNING PROCESS TAKE?

It depends upon the complexity of the case, but normally it takes about three to five meetings to complete and implement a full retirement and income plan.

HOW MUCH WILL THIS COST ME?

In addition to avoiding a high-pressure sales experience, Boyd will never charge you for his time or for any planning services he may render. It is his goal to work hard to earn your trust before you make any implementation decisions and then continue to provide you with an exceptional level of service for many years to come.