We connect individuals, families, business owners with some of the largest financial services providers:

• 401(K) 403(b) & TSA Rollovers, 401(K) Profit-Sharing Plans 

•  Small Business SEP (Simplified Employee Pension)-IRA

•  SIMPLE (Savings Incentive Match Plan for Employees)-IRA
•  ANNUITIES is a flexible retirement planning tool. It can be purchased over time (through a series of premium payments) or with a single lump sum. It can accumulate value that is based on a fixed interest rate or through investments in equities. You choose how and when payouts are made to you. Annuities are popular because they can offer tax-deferred savings for retirement and a choice of income options to meet an individual’s needs in retirement. As Americans live longer lives and have longer retirements, long-term thinking has become more essential. Many are turning to annuities to bridge the gap between savings and the prospects of a long life: Annuities are the only financial product that can turn a sum of retirement savings into guaranteed income for life. Some annuities also provide guaranteed income for a surviving spouse or dependent.
• Asset Protection and Estate Planning:

      Most people have heard it said that "nothing is certain except for death and taxes". However, most people probably don’t realize how true this statement is. For example, if you have a large estate when you pass away, the value of your estate above an exemption amount is subject to an estate tax. This means some people can’t even avoid taxes by dying. While many people realize that state and federal taxes take a large peace out of their paychecks, most don’t realize that there are taxes for more than just the money you earn. An important part of accumulating assets is to plan to minimize the effect of those taxes on your financial goals.
• Life Insurance can provide:

      • tax-deferred accumulation of wealth (cash values) within a policy;

      • tax-free access to accumulated policy value for income or emergencies;

      • access to cash values via withdrawals and loans during the insured’s lifetime;

      • tax-free payment of the death benefit to the beneficiaries, possibly a solution to business or estate transfer issues;

      • access to top money managers and the ability to direct one’s own investment within the policy (variable life policies only);

      • asset allocation models and the ability to transfer assets at no cost between the subaccounts of the policy (variable life policies only)