Annuities, HSA, IRA, College Savings, Retirement Planning

Investment / Savings : IRA, Annuities, College Savings, HSA

Start Your Financial Journey

It’s never to late to start saving for retirement and “chaos” that always shows its ugly face when we least expect it.  With so many products to choose from to help you accomplish your financial goals its best to discuss your options with a trained professional because some of these products can have serious tax implications and hurt you rather than help you.  Our trained agents will help guide you to the product that works best for you at the moment – and having that trusted advisor by your side – they will know your situation and be able to easily assist you if your needs change.  If you’re ready to take charge and find the best retirement savings and income producing solutions for you, set a time to talk with our agent on a one on one – no obligation to buy, free consultation.  We’re here to help.

Products and Services

Fixed Product Banner

Annuities (Fixed and Variable)

An annuity is a financial product that provides a steady income stream, typically for retirement.  You pay a lump sum or a series of payments to an insurance company.  Your money grows tax-deferred over time. Some annuities offer investment options, while others provide a guaranteed growth rate.  You can convert the annuity into periodic payments that can last for a specific period or for your lifetime. This can start immediately or at a future date.  There are a variety of annuity options which all should be looked at so you can choose what’s right for you.  There are fixed, variable, immediate, deferred, and indexed.

IRA & ROTH IRA

An Individual Retirement Account (IRA) is a tax-advantaged way to save for retirement. With a traditional IRA, your contributions may be tax-deductible and grow tax-deferred until withdrawal. A Roth IRA, on the other hand, is funded with after-tax dollars—while you don’t get a deduction up front, your money grows tax-free, and qualified withdrawals are also tax-free. Both options offer powerful tools to help you build a more secure financial future, depending on your current tax situation and retirement goals.

Health Savings Account Banner

Health Savings Account (HSA)

A Health Savings Account (HSA) is a tax-advantaged savings account designed to help individuals with high-deductible health plans (HDHPs) save for qualified medical expenses. Contributions to an HSA are tax-deductible, grow tax-free, and withdrawals are also tax-free when used for eligible healthcare costs. Funds roll over year to year and the account stays with you even if you change jobs or insurance plans. An HSA can be a powerful tool for managing healthcare expenses and planning for future medical needs.  We are a Broker for HealthEquity, that has s HSA (Health Savings Account), FSA (Flexible Spending Account), DCFSA (Dependent Care Flexible Spending Account), LPFSA (Limited Purpose Flexible Spending Account), and HRA (Health Reimbursement Account).  This can be set up as a group option for employers to give their employees or as an individual.  You never know when an accident happens, this account helps you pay for those and you don’t need to set up an IRA or Roth IRA as an HSA.

College Savings

College Savings Plans

College savings plans are designed to help families save for future education expenses in a tax-advantaged way.  These state-sponsored plans allow you to save for future educational expenses with tax benefits.  Earnings grow tax-free, and qualified withdrawals for education expenses (tuition, fees, books, room and board) are not taxed at the federal level. Some states also offer tax deductions or credits for contributions.  Funds can be used at any accredited college, university, or vocational school in the U.S., and some plans allow for use at foreign institutions. You can also use up to $10,000 per year per beneficiary for K-12 tuition in some states.  The account owner retains control, can change the beneficiary, and can even roll over unused funds into a Roth IRA under certain conditions set by SECURE 2.0 (up to $35,000 lifetime maximum).

Precious Metals

Precious Metals

Precious metals like gold and silver offer a hedge against inflation and market volatility, holding intrinsic value independent of currency or stock performance—making them a time-tested way to diversify and protect your savings.  Just like any investment they do carry their own risks but could be worth looking into when investing.

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