Plans We Specialize In:

  • Roth IRA
  • Investments
  • Bonus Annuities
  • 403 (b)
  • Retirement Savings


A simplified employee pension (SEP, or SEP IRA) is a retirement plan that an employer or self-employed individuals can establish. The employer is allowed a tax deduction for contributions made to the SEP plan and makes contributions to each eligible employee's SEP IRA on a discretionary basis.

SEP is a good policy to buy if you:

  • Are self-employed people or small-business owners with few or no employees.
  • Want the option of making varying contributions from year to year—or even skip a year.

Roth IRA

A Roth IRA is a retirement account that encourages you to save by offering a tax benefit: Your money grows tax-free, and there's no tax on your Roth IRA withdrawals in retirement. A traditional IRA is different: You may be eligible to take a tax deduction on your contributions in the year you put the money in, and then your withdrawals in retirement are taxed as income.

Roth is a good policy to buy if you:

  • Expect your tax rate to be higher in the future.
  • Have income from work (the IRS term is "taxable compensation").
  • Meet the income limitations for Roth IRAs.

403 (b)

A 403(b) plan is a retirement plan for specific employees of public schools, tax-exempt organizations, and certain ministers. These plans can invest in either annuities or mutual funds.

403 (b) is a good plan to buy if you:

  • Are a public school, college, or university employee, or an employee of certain tax-exempt organizations, including churches and charities.


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