INVESTMENT

PLANNING

Its important to understand the options you have regarding your life after retirement and the potential need for long term care.

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COVERAGE THAT FILLS IN THE GAPS

Successful people make saving money a priority above anything else. Unfortunately, very few people master saving enough. Retirement planning involves managing current expenses, debt, and intentionally planning for your future. This planning can take place through an employer sponsored retirement plan, or possibly with an IRA. Either way, making savings a priority is imperative in order to retired into a life of comfort.

401 (K) plans are often your first line of retirement savings because most employers match the amount employees deposit into these accounts. We encourage every employee to participate in these plans while increasing their contribution amounts at least annually over their lifetime of employment

401(K)

Over and above a normal employer match into a 401k, some employers make additional contributions to employee’s retirement accounts through a profit-sharing contribution. These annual contributions are not mandatory but rather are at the discretion of the employer.

PROFIT

SHARING

Deferred compensation plans are often offered to a select few staff members that are making a significant contribution to the bottom line of their employer, so much so that employers design these individual retirement plans to enhance this staff members retirement income.

DEFERRED

COMPENSATION

IRA’s are simply personal retirement accounts that a person can set up individually while investing their deposits, typically into mutual funds. The amount the federal government allows an individual to deposited typically increases annually.

IRA'S

An Educational 529 savings plan allows an individual to set money aside on a tax advantage basis to help pay for k-12 and higher education expenses.

EDUCATION

529 PLAN