Our Mission

Our Mission is simple; To double your retirement income!

Some of What WE Do:

Pension Design - Retirement Plans - Retirement Income Planning

Help government employees understand their benefits

Health options - LTC Funding Strategies

Life Insurance - Annuities - Index Saving Strategies

Key Person Carve Out Plans - Estate Transfer Strategies (estate attorney partnership)

Small Business Plans..

We do more than the industry norm

Most large company TPA service providers do not attempt to educate their customers on the options, nor do any kind of tax analysis to determine what the options are. The plans usually end up being very basic, and the owner (s) often find their deferrals so heavily constrained by ADP/ACP testing that they simply give up and do not bother deferring personally. Because they are not getting anything out of the pension plan, they often do not put anything in for the employees in the terms of employer contributions.

By doing the analysis, we pick up the opportunity to determine if the current plan really is the best fit for the employer and if it’s not, be able to explain why, and what is being missed. And a lot of the time we can create a win/win situation where both owner and employee can gain access to employer contributions. The net effect is to hopefully encourage the employer to fix what needs fixing and resulting in more enhancements to the plan.

-First we do an analysis on the business to compare various plan designs, this informs the owners of maximum tax advantages and which plan is the most appropriate.

-We utilize indexing where savings is protected from market losses, but yet gains interest on market gains.

-We utilize “guaranteed income for life” backed by strong insurance companies to replace pension like income.

-We Guide the employee on what to do the 5 years before retirement to generate more income.