Life insurance is an essential part of a financial program. One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner.
The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die.
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The amount you contribute to your 403(b) is not reported as taxable income on your W-2 to the Internal Revenue Service (IRS).
If you contribute $4,000 of your annual salary of $40,000 to a 403(b), only $36,000 is reported as taxable income to the IRS; thus your 403(b) program reduces your taxable income.
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Traditional IRAs offer qualified investors the ability to deduct contributions from their federal income tax returns and to invest their savings on a tax-deferred basis.
Roth IRAs are funded with after-tax dollars and offer
tax-deferred growth and
tax-free withdrawals of qualified earnings upon retirement.
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Government statistics indicate that 40 percent of Americans over the age of 65 will eventually need some type of long-term care.
Today, a year in a nursing home can cost an average of $40,000. In some parts of the country, that cost can be $80,000 or more. Home health care costs are also extremely high — as much as $20,000 a year..
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We have listened to your concerns and developed a solution catered to your individual needs.
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Disability Insurance
Your income is typically your largest asset. Why not protect it?
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