INVESTMENTS

SERVICES

Fixed Indexed Annuities | 401K Rollover

Individual Retirement Account (IRA) | Roth IRA | Long Term Care 

Fixed Indexed Annuities

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With Fixed Indexed Annuities, premiums are tied to an index and credited in a similar fashion to Indexed Universal Life (IUL's). As with IUL's, Fixed Indexed Annuities offer principal protection and a death benefit, with the possibility for gains contingent upon market performance.

  • A type of tax-deferred insurance product.

  • Can be structured to provide income for life, acting as another resource for retirement income.

  • Provides protection from market decline with a guaranteed floor.

401K Rollover

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When you leave an employer for non-retirement reason, for a new job, or just to be on your own, you have options on what to do with your 401K. 9 out of 10 times, doing a 401K Rollover is the best route to take.

  • It includes a wider array of investment options compared to most 401K plans.

  • You have the most control and the most choices if you own it vs still at your old employer.

  • Cashing out a 401K is typically not the best option because of the penalties for early withdrawals.

Individual Retirement Account (IRA)

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A IRA is a tax-advantaged account that individuals use to save and invest for retirement. The Internal Revenue Services (IRS) also uses the term "individual retirement arrangements" to broadly refer to IRAs.

  • Investments range from financial products including stocks, bonds, ETFs, mutual funds, etc.

  • Withdrawing money before age 59 1/2 will usually incur a early withdrawal penalty of 10%.

  • Contributions and income limits for IRAs change each year.

Roth IRA

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A Roth IRA is an Individual Retirement Account (IRA) that allows qualified withdrawals on a tax-free basis provided certain conditions are satisfied. It's similar to traditional IRAs, how they are taxed being the biggest distinction.

  • Funded with after-tax dollars. Making the contributions not tax-deductible.​

  • Once start withdrawing funds, the money is tax-free.

  • Best when you think your tax bracket will be higher in retirement than they are right now.

Long Term Care

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Long Term Care provides nursing-home care, home-health care, and personal or adult daycare for individuals age 65 or older or with a chronic or disabling conditino that needs constant supervision. It offers more flexibility and options than many public assistances programs, such as Medicaid.

  • Usually covers all or part of assisted living facilities and in-home care for people 65 or older with a chronic condition that needs constant care.

  • Helps cover out-of-pocket expenses that would quickly deplete the savings of an individual and/or their family.