Smile at your secured
Retirement

Investment Accounts that can be protected

non-rolled over retirment accounts/
you're 59 1/2 & older

Qualified Accounts (e.g., 401k, 403b, TSP):

    • Retirement accounts that receive favorable tax treatment
    • Regulations and limits set by the IRS
            • Contributions are tax-deductible, and earnings grow tax-deferred        

Unqualified Accounts:

      • Accounts without tax advantages (ex. brokerage acc'ts, saving acc'ts, certain IRAs)
      • No limits on contributions or distributions
      • Earnings are subject to capital gains tax                                           

**unqualified doesn't mean you can't protect them.

Guaranteed Income & Safe

  • Provide a reliable stream of income in retirement
  • Offer tax-deferred growth on investment earnings
  • Guarantees against market risk and volatility
  • Lifetime income options to avoid outliving savings
  • Flexible payout options to match individual needs
  • Can include features like inflation protection and long-term care benefits
  • Serve as a stable foundation for a diversified retirement portfolio

Wealth Transfers/Death Benefits

  • Guaranteed income stream for beneficiaries after the owner's death
  • Bypasses the probate process, allowing for quick and efficient distribution of assets
  • Can provide a tax-efficient way to transfer wealth to heirs
  • Death benefits can be structured to provide a lump sum or periodic payments to beneficiaries
  • Offers the option for joint and survivor continue payments to a surviving spouse or beneficiary
  • Can help in mitigating estate taxes and preserving wealth for future generations

We are Expert Licensed Advisors that work with all the top-rated carriers in the nation to find you protection with your retirement accounts.

Protecting thousands of individuals & Families from the Wall Street Casino.

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