Retirement Planning

Retirement security is one of the most critical issues Americans are facing. Outliving the money set aside for retirement is the biggest fear of boomers today. You don’t need to do it alone. If you are ready to create your financial road map for success, it’s time for you to meet with us. We know what questions to ask and how to customize a strategy to meet your unique goals. We can help simplify even the most complicated financial matters, placing your goals and objectives at the top of our priority list.

As part of our commitment to helping individuals plan for a comfortable and secure retirement, we explain and represent many retirement options and strategies for consideration. We offer “safe money” options with fixed index annuities. An annuity is a contract with an insurance company that is funded by the buyer and is designed to generate an income stream in retirement. It is a flexible financial vehicle that can help protect against the risk of living a long time because it provides an option (rider) for a lifetime stream of income.

Types of plans offered:

  • Traditional 401(k) plans
  • Fixed 401(k) plans for small businesses
  • Safe Harbor 401(k) plans
  • Individual 401(k) plans
  • Roth 401(k) plans
  • 403(b) plans for nonprofit organizations
  • 403(b) plans for Public School staff
  • SEP IRAs
  • Traditional IRAs
  • Roth IRAs
  • Pension Plans

For School, Public Service, and non-profit Employees: We represent District-approved retirement vendors and process all the paperwork for 403b’s and Roth 403b’s for you. Some of our fixed index annuity products offer a 10% match and guaranteed lifetime income. All of our options provide principal protection, tax deferred growth, and no down-market risk.

For Businesses and Employees: We provide options to market risk volatility retirement plans with our unique fixed 401k program. We can add this option to your pre-existing 401K plans, or start a new fixed 401K option. Our defined benefit plans help small business owners minimize taxes while securing future retirement income. We also ensure that you are compliant with your fiduciary responsibilities with the Department of Labor. For Individuals: IRA’s, Roth IRA’s, CD’s, rollovers. Many options exist for those wishing to maximize their retirement savings without keeping their money in the bank or with their employer (former or present). Earning a 10% match on these savings with tax deferral and no market risk makes our products very popular as alternatives to bank and mutual fund IRA’s and Roth IRA’s, and CD’s.

Companies We Represent:

Retirement planning