OUR SERVICES

PRODUCTS AND SERVICES PROVIDED: 

SECTION 457 TAX SHELTER -

LIFE INSURANCE - We offer TAX SHELTERED permanent Life Insurance to education for a number of reasons:

  • Most Americans understand the need for life insurance as a key part of a financial plan, even more so with educators.  The ability to purchase with pre-tax dollars and KEEP your coverage at retirement is a HUGE PLUS.
  • We utilize life insurance tied to TDROP and other sound savings vehicles to reduce the need for the costly Survivors options with your retirement plan.  Allowing for multiple beneficiaries and great cash values post retirement are another HUGE PLUS in this plan.

ANNUITIES - Tax sheltered annuities, WITHOUT the early retirement tax penalty of an extra 10% for full distribution prior to age 59 1/2 is a big plus with Section 457.  There are many options as to types of annuities, we choose to utilize fixed and fixed indexed annuities to minimize risk with your retirement dollars.

  • We commonly utilize indexed annuities due to the opportunity to improve returns over a fixed annuity.  We do not offer variable annuities due to the risk/reward variable.  Based upon your risk tolerance, you should consider products that best suit your need

INVESTMENTS STOCKS BONDS ETC - DO NOT OFFER

TDROP TRANSITIONS -

For the past eighteen years, we have been a major provider of counseling and assistance in the roll-over of TDROP funds into Individual Retirement Accounts (IRA's).  Our conservative approach has been well received by those wanting to retain control of the account balances built in TDROP.  In baseball terms, we do not go for the "home run", but believe in a stream of "singles and doubles" and no "strike outs" when it comes to the products we recommend and the management of YOUR money.  Give us a call if you feel that we can help you!

 

 

Contact Us at any of our offices!   We are eager to serve you!!!  1-800-264-1569