Our Specialized Services
Comprehensive retirement and protection solutions designed specifically for educators and non-profit employees.
403(b), 457(b), FRS & DROP
Maximize your supplementle retirement benefits accounts with strategic contributions.
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Plan comparison and fee analysis
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Paycheck analysis
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Contribution optimization strategies
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Catch-up contribution planning (age 50+)
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Rollover and consolidation services
IRA Solutions
Supplement your retirement with Traditional, Roth, and Simple IRAs tailored to your income and goals.
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Traditional vs. Roth IRA analysis
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Backdoor Roth conversion strategies
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Simple IRA for side income
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Required Minimum Distribution (RMD) planning
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Spousal IRA coordination
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Guaranteed Lifetime Income Strategy
Pension Optimization
Navigate your pension system's complexities and maximize your
lifetime retirement income.
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Pension vs. lump sum analysis
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Early retirement impact calculations
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Guaranteed Lifetime Income Strategy
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Survivor benefit strategies
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Social Security coordination
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Healthcare bridge planning
Life Insurance
Protect your family's future with comprehensive coverage with Living Benefits for personal and business needs.
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Income replacement analysis
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Term life insurance (10-30 year terms)
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Whole life with cash value growth
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Universal life with flexibility
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Index Universal Life (IUL)
Annuities
Create guaranteed income streams to supplement your pension and Social Security.
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Fixed annuities for guaranteed returns
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Indexed annuities - market participation growth potential security from market downturn
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Income rider analysis
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Tax-deferred growth strategies
Retirement Income
Create a lifetime income strategy that ensure income as long as you're alive sustainable withdrawal strategy that ensures your money last.
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GLIR- Guarantee Lifetime Income Riders
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Tax-efficient distribution planning
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Healthcare cost forecasting
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Legacy and estate planning
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Required Minimum Distribution (RMD)