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Retirement can be a golden age, when the children are grown up and out of the house, the house is paid off, and those decades in the office have come to an end. Lifespans are longer and people are healthier, so retirement is lasting longer for us than it did our parents and grandparents. It can be a wonderful time of travel, new experiences, and meditation. When it comes down to it, we all hope for a comfortable, safe, relaxing retirement. Early retirement planning is critical to making this dream come true.

Don’t wait too long when it comes to planning your retirement. The earlier you begin to save those retirement dollars, the more satisfied and financially secure you will be in your retired years.

Why is it important to plan for retirement?

Early retirement planning is essential because it typically takes many, many years to save up the amount of money necessary for you to live comfortably without income. Retirement can come with its own automatic advantages, like low-cost medical insurance and Social Security monthly payouts. You may manage by lowering your living expenses and cashing in that 401K plan. More often than not, you will need to invest more in your retirement.

What retirement products should I consider?
An IRA is a retirement account designed to help you save for retirement. We currently offer three types of IRAs: Traditional, Roth, and Simplified Employer Plan (SEP). Each type of IRA has its own advantages, eligibility restrictions, caps, and penalties, so it’s important to make sure you review each type of IRA carefully before deciding which is best for you. We also recommend you consult with our tax advisor to help you decide.

Learn about IRAs

Annuities are another way to build long-term and retirement savings. They earn interest over time and under current tax law, all interest earnings accumulate tax-deferred. This means that you pay income taxes on the interest earned only when you begin to withdraw funds later. Annuities can give you a steady stream of income after retirement.
Since the earnings are tax-deferred, annuities are an excellent way to build long-term savings. In fact, your savings grow faster because your money earns interest, your interest earns interest and money that is ordinarily paid out for taxes remains to earn interest. We offer a variety of annuities to help you meet your retirement savings goals.

Learn about Annuities

A Medicare Supplement Insurance policy helps pay some of the health care costs that Medicare doesn’t cover, like:

  • Copayments
  • Coinsurance
  • Deductibles

Learn about Medicare Supplement Insurance

I’m ready to start protecting my family’s financial future.

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