Retirement Planning
We take a comprehensive approach to the financial needs of the retirement years. We help you to plan by providing you with a wide range of retirement planning products and services, including:
IRA's** Individual Retirement Accounts that can provide both tax deferred and non-tax deferred growth and a variety of rates of return.
Fixed and variable annuities
Fixed annuities offer a guaranteed interest rate - regardless of what the markets may do - and funds accumulate tax-deferred*. Variable annuities** offer a range of sub accounts - plus a fixed account - that allow you to decide how your money is invested. At retirement, you can stretch payments from the annuity out over your lifetime, or yours and your spouse's lifetimes. (All guarantees are based upon the claims paying ability of the issuer.)
401(k)/403(b) Plans
These employer sponsored retirement plans offer employees the ability to invest up to $16,500 for 2011 from their salary, tax-deferred, in any number of account options. We can not only design and implement these types of reitrement plans for businesses and business owners, but also work with individuals to help them determine the best allocations of assets within their accounts and the best options for distribution of their assets upon retirement.
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Distribution Planning
When you are ready to retire, we can show you how to stretch your retirement assets out over your lifetime or pass them on to heirs on a tax-favored basis.
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*If an annuity is held in a qualified account, it provides no additional tax benefits beyond those provided by the qualified account. Under these circumstances, you should only consider buying an annuity if it makes sense because of the annuity’s other features and benefits, and are willing to incur any additional costs for these features and benefits.
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**Investment and Securities products are offered through MML Investors Services, LLC. Copyright © 2011 Jeffrey S. Hahn & Associates
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