Retirement Income Solutions

Pension Maximization Strategy allows you to receive the highest monthly income from your retirement plan and continue to provide income for your spouse after your death through the use of a private life insurance policy. This option also gives you the flexibility and control to make changes during retirement, allowing you to adapt to changing circumstances.
Optimize Social Security Income: Our analysis covers most situations, including married, single, divorced, widowed, government employees, and people who have already been elected but are not yet age 70. Receive a complimentary “Social Security Timing Report.”
Guaranteed Lifetime Income Options: Fixed Indexed Annuity (FIA) and Fixed Indexed (FI). Benefits include: Contract can’t lose money when the market falls; ability to lock in the gains; Lifetime or Joint Lifetime Income options; Potential increasing income to help with inflation; Long-term Care Rider (doubles the income after the 5th year, helping with this expense and also applies to spouses); Legacy – heirs can get the account value immediately upon death; or premium bonuses up to 25%–32%.
Qualified Plans:

403(b) Plans: are available only to employees of certain tax-exempt organizations, like nonprofits, churches, and public schools. Just like a typical 401(k) plan, 403(b) plans can allow you to make elective deferrals on either a pretax or Roth basis, and your employer will usually contribute to your savings on your behalf.
457 Plans: It is an employer-sponsored “deferred compensation” plan for employees of some state and local governments. It is also designed for workers from any non-church, tax-exempt organization.
401K Plans: There are two major types of 401(k)s: traditional and Roth. With a traditional 401(k), employee contributions are pretax, meaning they reduce taxable income, but withdrawals in retirement are taxed. Employee contributions to Roth 401(k)s, on the other hand, are made with after-tax income. There's no tax deduction in the contribution year, but withdrawals—qualified distributions—are tax-free.
Traditional IRA: It is an individual retirement account (IRA) designed to help people save for retirement, with taxes deferred on any potential investment growth. Contributions are generally made with after-tax money, but may be tax-deductible if you meet income eligibility.

Thrift Savings Plan (TSP) is a defined contribution plan for United States civil service employees and retirees as well as for members of the uniformed services.
Roth IRA is a type of tax-advantaged individual retirement account to which you can contribute after-tax dollars toward your retirement. The primary benefit of a Roth IRA is that your contributions and the earnings on those contributions can grow tax-free and be withdrawn tax-free after age 59½, assuming the account has been open for at least five years.

Social Security and Retirement Income