Investments 
    
IRA, 401(k), 403(b), 457 Plan Rollovers:  Whether you were self employed, retired from the corporate world, retired school teacher, nurse or government employee, most likely you participated in one of these "qualified plans" that helped you save for your retirement by building a tax-deferred retirement nest egg. The hard work, discipline and sacrifice you have put into building these retirement assets during the working years, or what is known as the "accumulation phase" of your life can be swept away with one major market downturn. As you enter into the retirement years, or what is referred to as the "preservation phase" you have to look at ways to beat out inflation, avoid unnecessary taxes, and ways to get future income. We can assist you in making the right choice when it comes to rolling over your IRA or qualified retirement plan.

 

Roth Conversions: The Roth IRA is the single best gift Congress has ever presented to the American taxpayer. It allows us to build retirement accounts that, over the long haul, will grow to incredible size - and remain free of tax forever. There is just one catch; you have to pay the income tax up front. In May, 2005 Congress passed "TIPRA"; The Tax Increase Prevention and Reconciliation Act. This lifted the income and filing restrictions for those trying to qualify for a Roth IRA. On January 1, 2010 a window opened for all Americans to convert to a Roth IRA. Tax laws have changed the way you can convert your IRA or Qualified Plan to a Roth. A very important thing to remember when it comes to Roth Conversions is that a Roth Conversion is not a financial decision, it's a tax decision.

 

Income for Life Planning:

Will the assets you've accumulated last through your retirement?

Individuals are living healthier, more active and longer lives than ever before, which means it is time to change the way we look at retirement. We can help you plan an income that lasts throughout your retirement. Our income for life planning solutions will help you prepare today for all of your tomorrows.

Our Plans will provide you with.

  • Growth & Security through guarantees*
  • Income for your lifetime*
  • Control to start and stop the income as you wish
  • Additional income during qualifying periods such as nursing home confinement or terminal illness.

*Guarantees are subject to the financial streangth and claims-paying abilities of the insurance company issuing the insurance contract.