Retire with confidence

Retirement comes much quicker than we think! Whether you have just started planning your retirement or are already in that stage of life, it is always advisable to begin planning as early as possible or reassess your current plan.

The age of pensions is nearly over, and they only as reliable as the entity providing the pension plan. 401(k) & IRAs are outdated and hardly considered reliable, as your retirement is subject to the whims of the variable rate market and the dangers of the total loss of your retirement funds. Historically, variable rate products like stocks & mutual funds and investment vehicles like ETFs, 401(k)/IRAs experience severe downturns and outright crashes at least once every 10 years. 

Through our licenses which designate us as independent brokers on the fixed rate market, we provide our clients with investment options that guarantee fixed rates of returns for the entire life of the investment. These include annuity products, which guarantee a salary for you and your spouse until the end of your life, regardless of how the market performs. We will help guide through the process of rolling over your current retirement 401(k)/IRAs into these products, penalty free! 

If you are not yet in your retirement years and want to begin growing your retirement funds now,  we can provide options for other products such as Indexed Universal or Whole Life products, which guarantee retirement funds, tax-free, when you hit your pre-selected retirement age and protect your investment money from the ups and downs of the variable rate market. 

In addition to the security of guaranteed growth on the fixed rate market, all of these investment vehicles are life insurance, so no matter which route you take, they all provide a tax-free lump sum of cash upon your passing. This can be used to fund your family legacy trust or to simply be dispersed to your heirs as part of your estate.