secure future

retirement
strategies

a future where
your income lasts
as long as you do.

When can you stop working, and will you be in the best financial position when you do so?

Once you stop working will your retirement income last as long as you are alive?

These are critical questions that too many people don’t know the answer to. Let us help you put your money to work. We’ll plan for and optimize your retirement so you can fully embrace your post-work life.

retirement strategies

Employer Sponsored Retirement Plans

Employer-sponsored retirement savings plans, like 401(k)s, 403(b)s, and pensions, allow employees to save and invest a portion of their paycheck before taxes are taken out, potentially growing over time due to compound interest. Many employers also match a portion of your contributions, essentially giving you free money as an incentive to save more. This benefit not only helps in building a substantial retirement fund but also reduces your taxable income today.

However, determining the right amount to contribute and choosing the best investment options can be challenging. That's where our expertise comes in handy. We provide guidance and support to help you make informed decisions and meet your long-term financial goals.

Individual Retirement Accounts

Don’t have a current employer-sponsored savings plan? No problem. We can help you set up a Traditional, Roth, or SEP IRA so you can still take advantage of tax-deferred growth.

Individual retirement accounts (IRAs) provide a flexible way to save for retirement on your own terms. A traditional IRA allows you to make pre-tax contributions, reducing your taxable income now and paying taxes on withdrawals in retirement. With a Roth IRA, you contribute after-tax dollars, but your withdrawals in retirement are tax-free, providing a tax-efficient growth opportunity. SEP IRAs are ideal for self-employed individuals or small business owners, allowing higher contribution limits.

Each of these options ensures you can grow your retirement savings efficiently, even without an employer-sponsored plan, giving you control over your financial future.

Retirement Account Rollovers

Already have an individual retirement account or 401(k) from a previous employer? We’ll help you roll over and consolidate your existing retirement savings to optimize growth and take advantage of the best products.

A rollover involves moving your retirement funds from one account to another without incurring tax penalties. This process can streamline your finances by consolidating multiple accounts into one, making it easier to manage your investments and potentially reduce fees.

Whether it's shifting a 401(k) into an IRA or transferring old IRAs into a new one, we guide you through every step, ensuring your savings continue to grow efficiently. This strategic move not only simplifies your retirement planning but also helps you maintain control over your investment choices as your financial goals evolve.

Growth & Income Annuities

Boost traditional retirement savings with special insurance contracts that offer diverse benefits tailored to your financial needs. For those focused on building wealth, growth annuities can be a great option. These are designed to increase your savings by tying your returns to market indices or other investment performances, potentially yielding higher growth over time. On the other side, income annuities provide regular payouts, ensuring a consistent stream of income either immediately or in the future, which is ideal for retirement stability.

We can help you navigate both fixed and indexed annuities, allowing you to choose between guaranteed returns or growth potential based on your risk tolerance and timeline. This approach ensures you have the flexibility to focus on accumulating wealth or securing a reliable income, depending on your individual retirement strategy.

Leveraged Cash Accumulation

With the unique Kai-Zen life insurance strategy, you can combine your own contributions with leverage from financial institutions to maximize earnings while being protected from the downsides of the market. This strategy enhances your investment by using borrowed funds to significantly boost the contributions to your policy, increasing its growth potential. As your policy’s value grows, it becomes a robust source of retirement income.

One of the standout features of the Kai-Zen plan is the possibility of tax-free withdrawals, allowing you to access your retirement funds without the tax burden typically associated with income. This not only amplifies your retirement savings but also provides a layer of financial security with built-in protections against market fluctuations.

Retirement Strategies

Employer Sponsored Retirement Plans

Individual Retirement Accounts

Retirement Account Rollovers

Growth & Income Annuities

Leveraged Cash Accumulation