Retirement Plans

Few things are more personal than saving for retirement

Retirement plans are a valuable tool to make sure you maintain a certain level of comfort when you retire and when planning your legacy, and we understand how important your golden years are supposed to be. With more than 30 years of experience as an independent insurance agency, we can help you develop a retirement plan that will give you peace of mind, and funding when you need it most!

We offer a range of investment and insurance products including:

• IRAs

• Traditional IRAs

• Roth IRAs

• Simple IRAs

• 401ks

• Annuities

• Life insurance

• Long term care insurance

Established by the federal government, IRAs or Individual Retirement Accounts encourage people to save by providing tax incentives and other money-saving features whereas plans such as 401(k)s allow you to save part of your salary until after retirement. The advantages of a 401(k) include lowering your tax burden and allowing access for situations such as a home purchase or college tuition.

A life insurance policy is crucial to providing for your family’s security in case of your death. It can help with financial obligations such as funeral, mortgage, medical, and other regular living expenses. Life insurance will give you peace of mind that your family will be taken care of after you are gone whereas long term care insurance is required in a situation where physicians determine that medical assistance is required for the treatment of an illness or injury where recovery is not expected.

Long term care is not usually covered by regular health plans, Medicare, or disability coverage. Having a long term care policy in place can help pay for expenses and bills.