When and how should I turn on SS?

It’s different for every person. Depending on if you are a widow/widower, married or divorced or single for life, there may be different options available to you when considering turning on social security. It may be beneficial to consult with a social security professional to determine what’s best for your specific situation.

When am I eligible for Medicare?

65 is when you are first eligible. If you continue to work and have insurance coverage through your employer, you can delay and you will have a special enrollment period once you retire.

Have I saved enough to retire or when can I retire?

This is one of the most common questions we get. This is different for every person depending on the goals they have set. It’s important to consult with a professional to discuss your retirement goals to set an appropriate retirement date.

Should I or when should I start reducing the risk in my investments?

Typically, you should start paying close attention to your level of risk at least five years out from retirement. At Cloud Investments, LLC, we take a RiskFirst® Approach to monitor your risk ensuring that it aligns with your retirement goals. However, depending on income needs and amount saved this can vary from person to person.

Depending on the situation, some people absolutely need a trust. If you have a child receiving disability benefits and you have them named as a beneficiary this could interrupt their benefits. Another example of where a trust may be beneficial, is if you are concerned about an heir not utilizing their inheritance wisely. Other instances for the need of a trust could be due to the size of an estate, concerned beneficiaries will disagree about use of assets, want to avoid probate, etc.

Firm Documents

Firm Documents From Cloud Financial, Inc & Cloud Investments, LLC

Below are forms from the firm at Cloud Financial, Inc and Cloud Investments, LLC. Please call us if you need any additional information.

CLOUD INVESTMENTS, LLC FORM CRS
CLOUD INVESTMENTS, LLC ADV PART 2A & 2B
CLOUD INVESTMENTS, LLC ADV 2B - Don P. Cloud
CLOUD INVESTMENTS, LLC ADV 2B - Scott A. Montes
CLOUD INVESTMENTS, LLC ADV 2B - Germi L. Cloud
CLOUD INVESTMENTS, LLC ADV 2B - Charles A. Harriman
CLOUD INVESTMENTS, LLC ADV 2B - Aaron J. Howard
CLOUD INVESTMENTS, LLC ADV 2B - Lauren J. Borden
CLOUD INVESTMENTS, LLC ADV 2B - John M. Huggins
REDWOOD INVESTMENT MANAGEMENT, LLC FORM ADV PART 2A AND 2B
CLOUD INVESTMENTS, LLC PRIVACY POLICY
CLOUD INVESTMENTS, LLC TERMS AND CONDITIONS

Cloud Financial, Inc & Cloud Investments, LLC

Complimentary Consultations | Fiduciary Care | Locally Owned

About Cloud Financial, Inc

Name: Cloud Financial, Inc and Cloud Investments, LLC
Address: 200 Clinton Avenue West, Suite 1020, Huntsville, AL, 35801, US
Telephone: (256) 715-0094

Cloud Financial, Inc. was started in 2001 by our President, Don Cloud. He wanted to create a company that would help the pre-retirement and retirement communities in Northern Alabama through education and planning. In 2016, Cloud Financial, Inc. expanded and created its own RIA (Registered Investment Advisor), Cloud Investments, LLC, to be able to have a more hands on approach that better allowed for holistic planning for our clients. Since then we have grown into a multi advisor company that provides many services to make us a one stop shop. Our team is committed to empowering you to have the tools to identify and achieve your financial goals and provide you with a more confident retirement. Call Cloud Financial, Inc and Cloud Investments, LLC today.

All written content is for informational purposes only. Opinions expressed herein are solely those of Cloud Investments, LLC and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual advisor prior to implementation. Advisory services are offered by Cloud Investments, LLC, a Registered Investment Advisor with the SEC. Insurance products and services are offered through Cloud Financial, Inc. Cloud Investments, LLC and Cloud Financial, Inc. are affiliated companies. Cloud Investments, LLC does not offer tax planning or legal services, but may provide references to accounting, tax services or legal providers. They may also work with your attorney or independent tax or legal advisor. RiskFirst® is a registered trademark of Redwood Investment Management.

200 Clinton Avenue West
Suite 1020
Huntsville, AL 35801

Phone: (256) 715-0094

cloudfinancial@cloudfinancial.com

Monday - Friday: 8:30am - 5:00pm
Saturday - Sunday: Closed

201 S Court Street
Suite 530
Florence, AL 35630

Phone: (256) 715-0094

cloudfinancial@cloudfinancial.com

Monday - Friday: 8:30am - 5:00pm
Saturday - Sunday: Closed

750 Forrest Avenue
Gadsden, AL 35901

Phone: (256) 715-0094

cloudfinancial@cloudfinancial.com

Monday - Friday: 8:30am - 5:00pm
Saturday - Sunday: Closed