Close-up of a glass jar filled with coins, labeled 'RETIREMENT' on a visible paper tag. A hand is placing an additional coin into the jar, emphasizing the act of saving for the future. Surrounding the jar are small stacks of coins, indicating a deliberate effort to accumulate savings. The blurred background features soft-focus greenery, creating a peaceful and optimistic atmosphere related to financial planning and security for retirement. The overall scene conveys themes of financial foresight and the importance of saving.

Achieve your retirement goals

  • Whether you're just beginning to save or seeking to improve an existing plan, it's crucial to focus on retirement as one of your most important financial goals.
  • From annuities that provide guaranteed income to tax-advantaged IRAs, there are a range of options available to help you secure a comfortable retirement.
  • Leverage the tools and expertise available to help you make informed decisions and achieve your retirement objectives, ensuring long-term financial stability.
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Retirement solutions overview

Annuities - Stability for your future

Annuities provide a reliable, steady income stream for the future, offering financial stability and peace of mind.

Glass jar filled with rolled-up U.S. dollar bills, prominently displayed alongside a stack of coins. In front of the jar stands a small figure of a man symbolizing an investor or saver, contemplating the growing stacks of coins arranged in ascending order, representing gradual financial growth or savings accumulation. The jar signifies the importance of saving for future goals. The overall composition conveys themes of financial planning, growth, and the value of saving over time, with contrasting elements of coins and dollar bills highlighting different forms of wealth accumulation.
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    Secure your financial future

    Take control of your financial future today. Build wealth, minimize risks and plan for a comfortable retirement with expert strategies and personalized financial solutions.

    • Enjoy peace of mind with a steady income stream, no matter how long you live.
    • Choose from fixed, variable, or indexed annuities based on your financial goals.
    • Ensure long-term stability and protection for your retirement years.
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    Why consider Annuities?

    • Reliable income - Receive regular payments during retirement.
    • Tax-deferred growth - Contributions grow without being taxed until withdrawal.
    • Protection from market volatility - Certain annuities are designed to safeguard against market fluctuations.

Permanent Life Insurance - Protect and grow your wealth

Permanent life insurance, including IUL and GUL, offers lifelong protection while allowing your wealth to grow with tax-deferred benefits.

Family silhouette encased in a clear dome, featuring four figures: two adults, a man and a woman holding hands at the center, with a woman gently holding a red heart between them, symbolizing love and connection. On either side, a girl and a boy are also holding hands, representing unity. The figures are designed in a solid blue color, contrasting with the transparent dome that signifies protection and safety. The overall composition conveys themes of family unity, love, and nurturing relationships within a secure environment, reflecting the importance of safeguarding familial bonds and cherishing moments together.
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    Indexed Universal Life

    IULs offer both life insurance protection and the potential for cash value growth, tied to a stock market index. A flexible option with death benefit protection and the opportunity for significant cash value accumulation.

    Guaranteed Universal Life

    A GUL policy provides a death benefit with fixed premiums and no cash value accumulation, making it an affordable solution for life insurance that ensures long-term coverage.

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    Why consider Permanent Life Insurance ?

    • Flexible coverage - Adjust premiums and death benefits to fit your needs.
    • Cash value growth - IUL offers potential growth through market index performance.
    • Lifetime protection - GUL offers guaranteed coverage for life.

401(k) Rollovers - Streamline your retirement savings

401(k) rollovers simplify retirement savings by consolidating accounts for easier management and growth.

Shield-shaped road sign labeled 'RETIREMENT' at the top and '401k' prominently in the center, with a directional arrow pointing to the right. The sign features a clean, minimalistic design with a light background and dark lettering, creating clear contrast that emphasizes its message. This visual conveys the theme of financial planning for retirement, highlighting the 401(k) retirement savings plan as a guiding direction for individuals seeking to secure their financial future.
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    Optimize your retirement strategy

    Secure your future by optimizing your retirement strategy. Maximize savings, reduce risks and ensure a comfortable retirement with personalized financial planning and smart investment choices.

    • Combine your 401(k) into one plan for easier management.
    • Minimize costs by rolling over into a plan with lower fees.
    • Preserve tax advantages while choosing from more investment options.
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    Why consider 401(k) Rollovers ?

    • Consolidate accounts - Simplify your retirement planning by consolidating multiple accounts.
    • Avoid penalties - Maintain tax-deferred status and avoid penalties for early withdrawal.
    • More investment options - IRAs often offer broader investment choices than 401(k) plans.

Roth IRA - Tax-free growth and withdrawals

A Roth IRA is a tax-advantaged retirement account that allows you to contribute post-tax dollars. In return, your withdrawals in retirement are tax-free, provided certain conditions are met.

Clear glass jar labeled 'ROTH IRA' with a handwritten sticker on the front, filled with a mixture of rolled-up dollar bills and various coins, indicating savings specific to a Roth IRA retirement account. The visible crumpled bills suggest they've been added over time, while the coins create a cluttered yet organized appearance at the bottom. This presentation highlights the concept of long-term savings and investment for retirement, emphasizing the importance of accumulating funds for future financial security. The simplicity of the jar and its contents reflects a straightforward approach to saving for a Roth IRA.
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    A smart way to save for retirement

    Discover a smart way to save for retirement with strategic planning, tax-efficient investments and consistent contributions, ensuring a financially secure future.

    • Fund your Roth IRA with post-tax dollars, allowing your investments to grow without taxes on earnings.
    • Enjoy tax-free withdrawals in retirement, provided certain conditions are met.
    • Benefit from the potential of tax-free growth for a more secure financial future.
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    Why consider Roth IRA ?

    • Tax-free withdrawals - Enjoy tax-free growth and withdrawals when you reach retirement age.
    • No Required Minimum Distributions - You don’t have to withdraw money at any age, offering flexibility.
    • Contributions anytime - Withdraw your contributions (not earnings) anytime without penalty.

SEP IRA - Retirement plan for small business owners

A SEP IRA allows small business owners to contribute more towards their retirement, while also providing contributions to their employees' accounts. It's a simple and tax-efficient option for business owners.

Shield-shaped road sign labeled 'RETIREMENT' at the top, prominently displaying 'SEP IRA' below, referring to a Simplified Employee Pension Individual Retirement Account. A directional arrow points to the right, suggesting a pathway towards this retirement saving option. The sign features a clean, simple design with a white background and bold black lettering, ensuring easy readability. Overall, the image conveys themes of retirement planning and the specific avenue of a SEP IRA for individuals looking to save for the future, emphasizing clarity and guidance in financial decisions.
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    A retirement solution for small business owners

    Tailored retirement solutions for small business owners—maximize savings, reduce tax burdens and build a secure future for you and your employees with flexible, cost-effective plans.

    • Small business owners can contribute more towards their own retirement savings.
    • Business owners can also contribute to their employees' retirement accounts, boosting morale and retention.
    • Business owners can also contribute to their employees' retirement accounts, boosting morale and retention.
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    Why consider SEP IRA ?

    • Higher contribution limits - Contribute up to 25% of your income or $66,000 in 2024, whichever is less.
    • Tax-deferred growth - Like a traditional IRA, contributions grow tax-deferred.
    • Easy setup - SEP IRAs are straightforward to set up and administer.
Clear glass jar filled with coins symbolizing savings and investment, with a small green plant emerging from the center, representing growth and renewal. The contrast between the metallic coins and vibrant green leaves conveys a powerful message about the potential for financial investment to yield positive, life-enhancing returns. This composition combines themes of prosperity, sustainability, and nurturing financial resources for future growth.

Get started with retirement planning

No matter where you are in your career, it's never too late to start planning for a secure retirement. Explore your options and work with our experts to build a strategy that will provide you with income, protection and growth.

Frequently Asked Questions

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Find the guidance you need to build a secure and fulfilling retirement

An IUL offers cash value growth linked to a stock market index, while a GUL offers a guaranteed death benefit without cash value accumulation. IUL offers more flexibility and potential for growth.

A Roth IRA offers tax-free withdrawals in retirement, no required minimum distributions (RMDs), and flexible withdrawal options, making it an attractive option for long-term retirement planning.

An annuity is a financial product that guarantees a fixed income for a specified period or for life, depending on the type of annuity you choose.

A 401(k) is an employer-sponsored retirement plan that offers tax-deferred growth, while a Roth IRA allows for tax-free withdrawals in retirement. The key difference is the tax treatment of contributions and withdrawals.

A fixed annuity provides a guaranteed income stream, making it a safer choice for those seeking stability. A variable annuity, on the other hand, offers the potential for higher returns based on market performance but comes with more risk.

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