Today we can expect to live longer with more active lives than any generation before us. But as our retirement horizons expand, so do our financial needs. 

Most of us will face an “income gap” when we retire. This is the difference between what you’ll receive from Social Security, a pension if you have one, and any other sources of guaranteed income... and what’s needed to meet expenses and maintain the lifestyle you want.  

An annuity can be a valuable addition to a person’s overall portfolio. But it isn’t right for everyone. Since no two people are the same and no two retirement goals are exactly alike, it is essential to determine which annuity solution will match your desired goals.

Annuities provide insurance against the risk that you’ll outlive your money after you retire. They give you the potential to grow your savings and create a guaranteed income stream to last a lifetime. When the market is expanding, you can accumulate money tax-deferred. If there's a downturn, you're protected from market loss. When you’re ready to take income, you can elect a guaranteed “paycheck” to carry you (& your spouse) through your retirement years.

Let us design a plan to help bridge the “income gap” by converting a portion of your personal savings and investments into a stream of income you can count on. We factor in your age, financial situation (assets, debts, income, tax status, how you plan to pay for the annuity), your tolerance for risk, your financial objectives and experience, your family circumstances and how you plan to use the annuity.

Watch this quick 1-minute video and learn about the integrative planning process that Evan Belaga, our expert certified financial & retirement planner covers.

Passing On Your IRA Money Tax Free

If you have accumulated a substantial sum in your tax deferred retirement account, and you want to leave that money to your family without losing up to 50% in taxes, watch this video to learn how you can convert any IRA, 401k or 403b account into a tax free bequest or inheritance.

Do you have a retirement tax strategy?

If you don't like paying any more taxes than you legally need to, and you do not yet have a "retirement tax strategy" - watch this short video to discover substantial tax benefits available to people over the age of 60 that most tax advisors know too little about.