It's never too early—or too late—to plan for the future. We help families and professionals create tailored retirement strategies using tax-advantaged accounts, diversified portfolios, and ongoing guidance.
Term life insurance is very important as it gives a financial umbrella to your family in case you pass prematurely. Coverage periods can be altered between 10 and 30 years so that protection is suitable for particular life stages and duties.
Whether you are financing children's education, taking a mortgage or bridging the gap between income in your prime earning years, term life cover provides affordable and flexible insurance.
Indexed Universal Life (IUL) insurance combines lifelong protection with cash value growth tied to market indexes like the S&P 500. Your cash value grows tax-deferred and you can access it through loans or withdrawals.
IUL policies offer flexibility in premium payments and death benefits, making them ideal for those seeking both protection and wealth accumulation with downside protection.
Indexed annuities offer the potential for higher returns than traditional fixed annuities by linking your interest to a market index, while protecting your principal from market downturns.
These products are ideal for those nearing retirement who want growth potential without risking their nest egg. They can provide guaranteed income streams for life.
Health insurance protects you and your family from unexpected medical expenses. We help you navigate the marketplace to find plans that balance coverage, premiums, and out-of-pocket costs.
Whether you need individual coverage, family plans, or supplemental insurance, we'll help you understand your options and choose the right protection for your health needs.
Navigating Medicare can be complex with its multiple parts and enrollment periods. We guide you through Original Medicare, Medicare Advantage, Medigap policies, and Part D prescription drug plans.
Understanding your Medicare options ensures you get the coverage you need while minimizing out-of-pocket costs during your retirement years.
Estate planning documents ensure your wishes are honored and your loved ones are protected. Essential documents include wills, trusts, powers of attorney, and healthcare directives.
Proper estate planning minimizes taxes, avoids probate, and provides clear instructions for your family during difficult times. We help you understand what documents you need and how they work together.
A secure retirement requires thoughtful planning and disciplined investing. We evaluate your income, risk tolerance, timeline, and long-term goals to recommend the right mix of accounts and asset classes.
By leveraging employer plans and individual accounts, you can maximize tax advantages and build wealth over time. Our approach is personalized to your unique situation and adapts as your circumstances change.
Employer-sponsored plans allow pre-tax or Roth contributions with higher limits than IRAs. Many employers offer matching contributions—free money you don't want to leave on the table. Withdrawals are taxed as ordinary income.
Individual retirement account with potential tax-deductible contributions. Earnings grow tax-deferred and distributions are taxed at retirement. Contributions are available to anyone with earned income under certain limits.
Funded with after-tax dollars; qualified withdrawals in retirement are tax-free. Ideal for those who anticipate being in a higher tax bracket later and for younger savers who need decades of tax-free growth.
Insurance contracts that provide guaranteed income streams. Options include fixed, variable, and indexed annuities. While annuities can add stability to a portfolio, they often involve higher fees, so careful evaluation is essential.
We factor your life stage, career trajectory, and family obligations into your retirement strategy. It's important to understand how Social Security works and how to maximize your benefits based on your work history.
Our guidance helps you avoid common pitfalls and make the most of your investment options. Whether you plan to retire locally or relocate, we'll help you build a strategy that works for your unique situation.
The economy offers diverse opportunities in technology, healthcare, manufacturing, and energy. Investing through municipal bonds, real estate, or small business ventures can diversify your portfolio and support your community.
However, every investment carries risk. We'll discuss how to balance domestic and international assets, evaluate employer stock offerings, and adjust your asset allocation over time. Our aim is to provide a roadmap that evolves as your family grows and your circumstances change.
Each account type has different tax rules, contribution limits, and withdrawal restrictions
| Feature | 401(k)/403(b) | Traditional IRA | Roth IRA |
|---|---|---|---|
| Contribution Limit (2025) | $23,000 plus $7,500 catch-up if over 50 | $7,000 plus $1,000 catch-up if over 50 | $7,000 plus $1,000 catch-up if over 50 |
| Tax Treatment | Pre-tax or Roth option; taxed on withdrawal | Contributions may be deductible; earnings tax-deferred | Contributions not deductible; qualified withdrawals tax-free |
| Required Minimum Distributions | Yes, starting at age 73 | Yes, starting at age 73 | No RMDs for original owner |
| Early Withdrawal Penalty | 10% penalty before age 59½ (exceptions apply) | Same as 401(k) | 10% penalty on earnings before 59½ unless exception |
| Employer Contribution | Often available (matching) | Not applicable | Not applicable |
A common guideline is to save 10-15% of your income for retirement, including any employer match. At minimum, try to contribute enough to get the full employer match—that's free money. As your income grows, increase your contributions to maximize tax-advantaged growth.
You have several options: leave it with your former employer, roll it into your new employer's plan, roll it into an IRA, or cash it out (not recommended due to taxes and penalties). Rolling into an IRA often provides more investment options and flexibility. We can help you evaluate the best choice.
Yes! You can contribute to both in the same year, though IRA deductibility may be limited if you're covered by an employer plan and your income exceeds certain thresholds. A Roth IRA has income limits for contributions. We can help you maximize both accounts based on your situation.
It depends on your current and expected future tax rates. Roth is often better for younger savers or those who expect higher taxes in retirement. Traditional may be better if you're in a high tax bracket now and expect lower taxes later. Many people benefit from having both types for tax diversification.
Planning for retirement doesn't have to be overwhelming. We guide you through selecting accounts, allocating investments, and adjusting your plan as life evolves. Our consultations are free, with no obligation to buy any products.
Whether you're beginning your career or approaching retirement, schedule a free session to discuss 401(k)s, IRAs, annuities, and investment strategies tailored to you.