American Income Life Insurance-Philip Prata Office

Located in Westfield, MA, McNerney, Michael offers expert financial services to help individuals secure a worry-free retirement. Michael McNerney, a retirement planning specialist with over 30 years of experience, focuses on providing safety, growth, and lifetime income through innovative insurance products. At Safe Nest Egg, top priority is given to creating income plans that last throughout retirement, ensuring clients receive a steady monthly income guaranteed for life. The firm specializes in helping clients protect and preserve their assets without facing losses, aiming to achieve a reasonable rate of return of 4 to 6%. Additionally, McNerney, Michael assists clients in estate maximization, offering guidance on asset transfer, tax liabilities, probate avoidance, and leveraging estate value effectively. The firm also provides support for qualified plan rollovers, aiding individuals in transitioning employer-sponsored retirement plans seamlessly. Generated from the website content

Safe Nest Egg, located in Westfield, MA, is dedicated to providing comprehensive financial services aimed at ensuring clients enjoy a worry-free retirement. Led by Michael McNerney, a certified annuity specialist with over 30 years of experience, the firm specializes in retirement income planning, asset protection, and estate maximization, utilizing innovative insurance products to help preserve and grow clients' wealth. With a focus on creating income plans guaranteed to last a lifetime, Safe Nest Egg emphasizes the importance of financial peace of mind during retirement. They assist clients in navigating essential transitions, such as qualified plan rollovers, and aim to leave a lasting legacy by employing effective estate planning strategies tailored to individual needs. Generated from the website

About Philip Prata Philip Prata, State General Agent in Connecticut and Massachusetts, has been with American Income Life Insurance Company for eight years. Before beginning his AIL career, he was a fulltime college student at Rutgers University, paying his way through school bartending. After graduating with a finance degree, Philip knew he wanted something other than the traditional 'corporate grind.' He was attracted to American Income Life because it offered, "financial independence and the opportunity to run my own business. AIL doesn't hold you back based on your degree or years of experience. You are rewarded based on your work ethic and desire to succeed. That's what I truly wanted, something I can control, rather than be controlled." Philip's strong work ethic is paying off. He was recognized as a top manager several times throughout his career. Philip knew that he had made the right choice coming to AIL when he had been an Agent for about nine months. He recalls, "I was sitting in my weekly Agency meeting and received a renewal check for a few thousand dollars, which I realized was for work I had done nine months earlier and for which I was still getting paid. That was a great feeling. Even better is that I still get that check nine years later." One of Philip's biggest rewards with AIL is "the ability to control my own income, be my own boss, grow at the pace I want to grow, and not have someone tell me I can't do something. Even more rewarding is helping people new to this business, teaching them the skills and habits needed for success, and watching them grow, prosper, and become very successful." Philip's advice to others considering a career with American Income Life is "Don't think, just do. Our system is proven since 1951; we know what works and what doesn't. We tweak things along the way, but the systems are efficient and effective, which leads to greater success for everyone." If Philip could start over, would he change anything about his career? "Our clients want products they can understand and know they will pay out when the time comes. Our products do that and more. Consequently, I would set bigger and more aggressive goals than I did before. Nothing is unachievable at American Income Life because people are accomplishing things that would have been unheard of years ago, yet today are standard. I would have a bigger vision and set bigger goals, because AIL always will assist you in achieving them."