Retiring Smart
Enjoying your best life in retirement begins with the steps you take today. You can onboard with us through our leading insurance provider partners for your retirement plan. With more than 85 years of combined experience managing retirement plans, we’re here to help you build the savings you need for a future worth looking forward to.
Begin your journey toward a brighter future today
No matter where you are on your financial journey—exploring your options or already on track—we’re here to support you. With clear, personalized strategies, we make planning simple so you can focus on living your best life. Plan and save for the life you want with a retirement plan you can count on.
Helping You Get One Step Closer to Retirement
RETIRE SMART
How confident are you about having a comfortable retirement? If you are a little worried, you’re not alone. We can help.
The first step to your brighter tomorrow starts now
Planning ahead for your financial future can make retirement the time to finally do the things you’ve always dreamed of. Without a plan, however, retirement may bring financial strain—working longer than expected, reducing your lifestyle, or even depending on family for support.
Have you considered whether your retirement income will be enough to cover rising expenses? For many school district employees, income can drop significantly after retirement, even with the support of a pension plan. Let us help you TODAY!
A Multi-Benefit Retirement Solution
Living your best life in retirement starts with financial security. Annuities provide dependable income when you need it most, and offer much more. They help grow your savings, protect against market volatility, and ensure you won’t outlive your money. It’s the freedom to retire confidently, on your own terms.
Fixed Indexed Annuity Benefits you can take advantage of
It has always been about YOU!
Also known as equity indexed annuities, Fixed Indexed Annuities (FIA) offer growth potential, capital preservation and lifetime income.
Growth Protection
FIA offers the potential to earn interest based on changes in an interest indexed or a fixed interest rate, if you prefer. And the interest earned grows tax-deferred.
Protection
Because you are not actually buying any stocks or shares of an index, the money in your FIA is not at risk due to market losses.
Flexibility
Our partner's FIA have a variety of crediting methods. They also offer flexible options for receiving income. And some of their FIAs even offer riders (either built-in or at an additional cost) to help you address specific needs.
Extra Benefits
- 20% income boost to your Withdrawal Base on day one.
- 7.5% income boosts annually in years two through five.
- Income Enhancement Benefit, which will double your guaranteed annual income amount for up to Five years if you are unable to perform two or more Activities of Daily Living (ADLs).
- Guaranteed Income Builder to give you consistent 10% growth annually (of your initial premium adjusted for withdrawals) added to your Withdrawal Base.
- Income Multiplier Benefit to gives you steady income with growth potential – even during retirement. 1.25X on any earned interest credits added to your Withdrawal Base annually pre income activation and post activation.
The longer you defer taxes...the faster your money grows
One of the greatest advantages of participating in a tax-deferred plan is that all dividends, interest, capital gains and growth potential accumulate on a tax-deferred basis while the money remains in the account. Only when you begin receiving the money will you have to pay income tax on it.
Save more without seeing a difference in your take-home Pay
Time is a wonderful asset
When time is on your side, every increase you make to your retirement savings can make a significant impact on the total amount of money you have to live the life you want in retirement.
Now is the time to plan & save
You can take control of your retirement security by contributing to your policy plan through payroll deductions.
This policy plan allows you to accumulate savings on a highly tax-favored basis, your retirement savings can move with you through the years and can be transferred to other employer plans or into a traditional IRA.
