Investing & Savings

LIFE | SUPPLEMENTAL | DISABILITY | HEALTH | TRAVEL

Individual and Group Options

Saving money is the foundation of financial security, yet many people put it off until it’s too late. Whether you’re preparing for retirement, building an emergency fund, or planning for major life events like buying a home or sending a child to college, having a clear savings strategy is key. A good rule of thumb is to set aside at least 10–20% of your income, but even small amounts add up over time. I offer a range of savings and investment products designed to help you grow your money, protect your future, and meet your goals with confidence. Start now—your future self will thank you.

We offer a variety of products that will help you save money, build that nestegg or estate.  In an unpredictable economy we can’t afford not to save.

Current Interest Rates for a Guaranteed Fixed Annuity

With 3% ground – Interest will not dip below ground

10 Year Annuity
5.50%

5 Year Annuity
5.65%

4 Year Annuity
5.20%

3 Year Annuity
5.45%

3 Year Annuity
5.00%

Products and Services

Annuities

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.

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 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).