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.
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.
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:
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:
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.