A SEP IRA is a type of plan under which the employer contributes (up to a certain limit) to an employee’s IRA.


The SIMPLE plan may appeal to small business owners as it is easy to set up, administer, and allows for a tax deduction.

IRA Rollover

If you leave a job or retire, you should consider your options regarding your employer retirement plan assets.

Roth 401(k)

A Roth 401(k) is funded with after-tax money, and allows for tax- and penalty-free withdrawal of earnings if requirements are met.

Profit-Sharing Plans

Profit-sharing plans give employees a share in the profits of a company and can help to fund their retirements.

Money Purchase Pension Plans

A money purchase plan is a retirement plan where employer contributions are based on a fixed percentage of compensation.

403(b) Plans

A 403(b) plan is a tax-deferred retirement savings plan that can only be offered by a 501(c)(3) tax-exempt entity.

Why Purchase Annuities

Annuities, an insurance-based financial vehicle, can provide many benefits that retirement investors might want.

Split-Annuity Strategy

A split-annuity strategy can generate immediate income while potentially stretching some retirement savings.

Annuity Living Benefits

Living benefits can help protect variable annuity owners from running out of money in retirement.


How Much Do I Need to Save?

Many realize it’s important to save for retirement, but knowing exactly how much to save is another issue altogether.

A New Chapter for Retirement

With the changing pension landscape, it is important to take charge of your own retirement security.

1035 Exchanges

A Section 1035 exchange is a tax-free exchange of an existing annuity contract or life insurance policy for a new one.

Unforgettable Birthdays

There are key dates after you turn 59 that can impact your taxes, Medicare eligibility, and retirement benefits.

Your Business and Retirement

Allocating too much of your retirement investments to one company, even your own, can be a risky proposition.

Planning Options

There are a variety of retirement planning options that could help meet your needs. Here are some of the most popular.


HowFuture of Social Security

Greater demand is being placed on the Social Security system as the baby boom generation has begun to retire.

Social Security Income

The Social Security Administration’s retirement estimator gives estimates of your future benefits based on your actual Social Security earnings record.

Self-Employed Retirement Plans

Tax-deferred retirement plans for self-employed individuals have higher contribution limits than IRAs.

Indexed Annuities

An indexed annuity may provide some upside potential and downside protection.

Roth IRAs

Qualified Roth IRA distributions in retirement are free of federal income tax and aren’t included in gross income.

Retirement Plan Distributions

When receiving money accumulated in your employer-sponsored retirement plan, you have two options: lump sum or annuity.


Traditional IRAs

If you do not participate in an employer-sponsored retirement plan, you might consider a traditional IRA.

401(k) Plans

401(k) employer-sponsored retirement plans have many benefits, including that the funds accumulate tax-deferred.

Managing Retirement Plans

Employer-sponsored retirement plans are more important than ever, but managing the assets can be confusing.

Save Now or Save Later

An indexed annuity may provide some upside potential and downside protection.