✓Retirement Savings Safer

✓Nursing Home Plan Done

✓Your Legacy Secured

For Many People, Retirement Doesn't Feel Simple.

It Feels Totally Overwhelming

Do any of these sound familiar?

• You're asking yourself, “Where do I start?”

• You're worried about running out of money and have no idea how to be sure you won't.

• You've known someone in a nursing home, and you're wondering how you'd pay for long-term care.

• You want to find a knowledgeable professional, but are concerned it'll turn into a sales pitch instead of real help.

• You may also be thinking, “I do not want to be a burden on my family,” or “I just want to know my spouse will be okay.”

That's a lot to carry by yourself.

Get a retirement plan you can understand, and that handles your concerns permanently.

At United Retirement Services,

Protecting You Is Our Focus.

We help people across the country protect what they've built using annuities, long-term care solutions, and estate-planning support that fits real life and your overall plan.

As an independent broker with a fiduciary mindset, we compile a real plan for your retirement and compare options from nearly every major life insurance, annuity, and long-term care company so you can get the most value for your money.

The importance of securing your retirement assets from dramatic market loss and other life occurrences cannot be overstated. And because this is too important to leave half-understood, we use educational videos and clear conversations to explain everything in plain English before you decide.

My name is Jim Gaskins, founder of United Retirement Services. With over 17 years of experience in the financial field, my focus has always been education over sales — giving you the clear, honest information you need to make the best decision for your situation, not pushing you toward one. I believe most people don't need to be sold to. They need someone they can trust to simplify the complex, walk them through their options, and help them move forward with confidence.

Our Services

Protect Your Retirement Savings

Annuities are the best and safest way to protect your retirement savings, and we make sure you're getting the exact right choice for your overall plan, with the maximum benefits available.

Protect Your Spouse If You Get Sick

Protect your family and your legacy from catastrophic long-term care costs by building an asset, NOT by adding a large monthly expense. Asset-based Long-term care is the future, and it's easier than you'd think.

What happens when you're no longer around? Wills, Trusts, and Powers of Attorney can seem complex, intimidating, and expensive. Not anymore. We'll assist you to get this peace of mind in about an hour.

Zero Estate Plan Worries

Why choose us?

Know You're Getting the Most Value

With nearly every major insurance company in the US to choose from, and the means to compare them all on your behalf, we SHOW you how you're getting the most value for your money.

Technology Used For Your Benefit

Technology such as AI and proprietary, evolving software is used to enhance our ability to stay ahead of our competitors in ensuring we're providing the best plans, products, and value for you.

We Work For You, Not An Big Financial Company

We make the insurance companies compete for your business, and we always have an experienced team working in the background to create your customized retirement protection plan and produce an accurate view of your situation. This is how we show you that you're getting the very best fit for your financial picture.

Here's our process

Step 1

Your Intro Strategy Call

We take the time to listen, ask questions, and discover your needs and concerns. We find out about you and what's important to you and your family. We learn what retirement problems you need to solve.

Step 2

We Compile Your Plan

Knowing what's needed and wanted, we now get to work finding you the right approach. Utilizing experience, advanced technology, and a great team behind the scenes, we provide the optimum solutions with the greatest value.

Step 3

Enjoy Retirement

A happy, secure, and worry-free new YOU. Stress gone, replaced with peace of mind. But it doesn't end there. We view this as a lifetime relationship, so moving forward, we'll meet regularly, and you'll look to us as the single resource for your retirement needs.

”As I was nearing retirement, the thought of aging became more prominent to me. My wife and I decided that as we prepare for this phase in life, long-term care was a priority. We feel a sense of peace since we bought this LTC policy. We are thankful to Jim for his help in navigating this important step.”

Dr. Leon and Sophie Rodrigues

”Working with Jim and Tim Kaley has been an absolute pleasure, as they are incredibly patient and always take the time to help me understand the reasons behind their planning suggestions. I feel much more secure and protected financially thanks to their expert, transparent guidance.”

Jean Larson, PhD

”We were very happy with how easy it was to set up our estate plan. Jim Gaskins was friendly, knowledgeable, and helped us navigate what initially seemed like an overwhelming process. Jim walked us through all the forms, connected us with an attorney, and guided us through the signing process. We are satisfied with all aspects of setting up the estate plan and with Jim’s guidance regarding our retirement income.”

Amy K. Roisum Foley

”We have been very appreciative to the times that we have had the opportunity to meet to discuss our future planning. Jim's commitment to us has been very helpful in creating a platform to facilitate our goals in our retirement process. We very much appreciate his knowledge and experience to detail that he has shared with us.”

Craig and Helen Walters

Meet our happy clients

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What You'll Get

12 Reasons Why Clients Choose Us

✓ We Shop 180+ Insurance Companies for You

Most agents show you one or two companies' products — because that's all they sell. We search across every open insurance carrier - more than 200 of them - and show you the best options side by side, so you always know you're getting the best fit and the best value.

✓ Holistic Planning

We don't focus on just one aspect of your plan or one product to sell. We're looking at the full picture so that our recommendations fit into an overall protection strategy and so that we know it's the right thing for you.

✓ We Hold Ourselves to a Fiduciary Standard — In Everything We Do

Most agents only have to sell you something "suitable." We hold ourselves to a higher bar: the same recommendation we'd make for our own family. It must be in YOUR best interests.

✓ You'll Understand Exactly What You're Buying — In Plain English

No jargon, no fine print surprises. Before any decision is made, you'll be able to explain what you have and why you have it in your own words. If you can't, we haven't done our job.

✓ We're Here for the Long Haul — Not Just the Sale

We've had the same clients for years. We answer our phones, and we'll be here when it's your annuity review time, when a claim needs to be filed, or when your family has questions down the road.

✓ Deep Expertise in Government and Public Employee Retirement Plans

We specialize in the retirements of federal, state, county, and city employees — FERS, TSP, FEHB, public employee pensions, and 403(b) and 457 Deferred Comp plans. We know the irreversible decisions that most generalists miss, and we make sure you don't make them.

✓ Long-Term Care Coverage That Pays Your Family Even If You Never Need Care

Hybrid long-term care policies solve what traditional LTC never could: if you need care, it pays. If you don't, your family receives a death benefit. Your money is never wasted, and your premiums never increase.

✓ Wills, Trusts, and Powers of Attorney — Simple, Affordable, and Coordinated

We facilitate state-specific wills, trusts, and powers of attorney through attorney-backed software at a fraction of traditional legal costs — and we make sure every document lines up with your insurance beneficiaries so nothing falls through the cracks.

✓ We'll Tell You When You Don't Need a Product

We've talked plenty of people out of coverage they didn't need. If it's not right for you, it's not right for us. That's what putting your interests first actually looks like.

✓ No High Pressure — Ever

No "today-only" deadlines, no scare tactics, no free-dinner seminars designed to close you the same night. We move at your pace.

✓ We'll Review What You Already Have — Honestly

Already have an annuity, a life policy, or not sure how your employer plan works? We'll take a look and tell you honestly what you might be missing — and whether you can do better. A second opinion costs nothing.

✓ 17 Years. 2,000+ Conversations. Working Nationwide.

15+ years of working with individuals and families like yours. That experience — including watching clients navigate the 2008 crash and the Covid lockdowns — shapes every recommendation we make today.

Frequently asked questions

What is United Retirement Services?

United Retirement Services is an independent financial services firm specializing primarily in retirement protection planning, annuities, long-term care, and facilitating estate planning (among other aspects of financial services). We're passionate about helping individuals and families protect what they've built — and make sure it lasts.

How does working with you actually work?

We start with a conversation — no forms, no pressure. We want to understand where you are, what you're worried about, and what you're hoping retirement looks like. From there, we put together a clear picture of your options and help you to decide what makes sense. Most people find it a lot less complicated than they expected.

How much does a will and trust cost?

There are different pricing packages for each separate service, including individual wills, trusts, and single or married trust packages. You can see all the pricing in the Estate Planning Section of this website (here). It's a one-time cost that protects everything you've worked to build. For most families, the cost of not having a plan ends up being far higher.

How long does the process take, from our first call to actually having things done?

It varies depending on what you need, but a typical timeline runs anywhere from a few days to a few weeks. Long-Term Care coverage with a medical exam can take a bit longer; some policies are approved without one. Annuities or a plan can be a matter of days, but typically, a couple of weeks. I'll give you a realistic timeline specific to your situation once we know what we're working with.

How can I contact you?

You can send email inquiries to info@unitedretirement.us or use the contact form below. If you need to speak with a customer service representative, call 1-833-684-4537. We are always happy to answer your questions.

What if I'm in a different state, can you help?

Yes, absolutely. We work nationwide and can help people in 49 states (not NY). We happily work with people from all over the country. Technology and security advancements have made it possible for financial professionals to work with people anywhere. This is important because the state you live in can impact many different things, including aspects of annuities and long-term care coverage, in addition to estate planning rules. Distance is no longer an issue!

Free Guide: The Retirement Protection Gap

In this 15-minute read, you'll understand where your retirement is vulnerable, and come away with a clear knowledge of how to remedy that.

Contact Us

1-833-684-4537
info@unitedretirement.us