401K & IRA's

It's never too early to start planning for retirement.

When selecting the most appropriate retirement vehicle, keep in mind your investment objective, risk tolerance and investment time horizon.  Annuities or IRA’s are products that provide tax-deferred growth and access to your money when you need it. They also allow for flexible contributions and offer a variety of payout options.

Types of retirement plans:

Fixed - Fixed interest rate for a short term period or a long term period

Indexed - Calculated interest rate based on the index of the U.S. stock market using single strategies or a   combination of strategies

Deferred Annuities - Offers the opportunity for an individual's purchase payments to gain accumulation and growth on a tax-deferred basis

Tax-qualified IRA - A saving vehicle with flexible contribution options and tax deferred

401K Plans - Start up retirement plans

Immediate Annuities - Immediate annuities are purchased with a single premium, and immediately provides an income stream for a period certain or lifetime

Benefits - Tax deferral, safety of principle, guaranteed lifetime income, avoidance of probate , incontestable, creditor protected and flexible payout options. Most importantly Annuities provide strong protection for your savings and assets. Annuities are insurance products.