Everyone needs a plan for retirement, especially given the financial reality of Social Security. But how much do you need to save? What is the best financial vehicle? Should you invest conservatively or take more risk? These are complex questions. Let us help you figure out the answers.

The Best in the Business

Insuraty works with the major names in the industry. Names like John Hancock. Our advisors understand the differences in retirement packages and can help you select the product that fits with your goals and needs. That can be a quiet home in the mountains or a trip around the world. Insuraty works to achieve everyone’s individual goals.

Understanding Your Options

Any retirement plan should begin with a 401(k) and 403(b) plan. These are specific financial instruments that are designed to reduce your tax burden and increase your savings. You can invest in a variety of financial instruments — bonds, money markets, and mutual funds — at different levels of risk. Insuraty understands retirement programs and their complex natures. Our trained agents work with you and learn about your individual situation, whether that is an entire company with 500 employees or an individual with a family, to make recommendations and develop a tailor-made plan just for you.

The 401 (k)

One of the best ways to save for retirement is contributing pre-tax dollars into a company sponsored 401k. Here are some important 401k facts:


  • A 401(k) offers tax advantages. Your money has the potential to grow faster in a 401(k) than in traditional, after tax savings.
  • The money you put into your 401(k) comes out of your paycheck before state and federal income taxes are calculated. So, you can invest more in a 401(k) than in an after-tax IRA account and saving becomes easy and convenient!
  • A 401(k) plan offers a variety of ways to invest – from conservative investments to aggressive equity (stock) funds. This way, you select the level of estimated risk and potential return of your savings.
  • If you participate in an employer’s 401k, your employer may match your own contributions. This means they’ll put in additional money for every dollar you save, up to a certain amount.
  • Depending on your plan, you may be able to take hardship distributions from your 401(k) savings to help pay for a new first time home purchase, educational expenses, or financial emergencies. Some plans also allow loans.
  • If you leave your current employer you can take the money you contributed to your 401(k) savings plan with you and roll it over into a new account.

The 403 (b)

Less people are familiar with these types of plans. Under a 403(b) tax-deferred retirement program, you can make pre-tax contributions to a tax-sheltered annuity contract or custodial account through a salary reduction agreement, which means that your contributions are deducted from your salary before federal income taxes are calculated. It’s helpful to know that:


  • You decide, within certain legal limits, how much of your income you want to save and invest.
  • Your employer will reduce your paycheck by that amount before federal income taxes are taken out.
  • Contributions are invested in your choice of any combination of investment options offered.
  • Contributions and any earnings that accumulate over the years generally are not taxed until you receive them, which is usually at retirement when you may be in a lower tax bracket.
  • Your 403(b) tax-deferred retirement program has no effect on Social Security. Your Social Security contributions and benefits will be based on your total pay, including the amounts paid into your 403(b) tax-deferred retirement program.
  • Insuraty offers 403b plans through our preferred providers.

What is an annuity?

Insuraty offers other financial products. Annuities, long term, tax-deferred insurance contracts typically used to provide a stream of income over a period of time, are one example. There exists a variety of annuity options, ranging from annuities that allow the opportunity to participate in stock market Index growth, premium bonuses, or both. These annuities offer the safety and guarantee of a fixed interest, which is particularly comforting for today’s investors.

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