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When you take the time to plan for your financial future, retirement can provide an opportunity to do what you have always wanted to do. Without proper planning, retirement could mean working during your golden years, cutting back on your lifestyle and even relying on family members to help take care of you. Beware of the retirement income gap. Assumptions for Gap Analysis(Source is TRAK Software by Trustbuilders) Teachers Pre-retirement salary
When time is on your side, every increase you make to your retirement savings can make a significant impact on the total amount of money you have to live the life you want in retirement.
Life Insurance Additional Disclaimers
I know what type of life insurance I want, how do I buy it? Before you can purchase life insurance, you need to qualify for it. We will ask you to provide us with information that we then use in what is called underwriting. This is the process that an insurance company uses to determine risk. Second, all of this information is provided to an underwriter. An underwriter is someone who is specially trained to assess your application and determine
May make sense for those who have budget limitations, large protection needs or temporary need. Offers: Guaranteed death benefit for a fixed period3 Fixed premium. No cash value. Coverage is for a certain period of time (term), usually for a specified number of years or to a specific age of the insured. Initial premiums tend to be lower but will eventually increase.
Variable Universal Life Insurance
This policy design is for the customer who needs life insurance but would like to have the ability to choose how their cash value is invested. Variable policies are underwritten by National Life and distributed by Equity Services, Inc., Registered Broker/Dealer Affiliate of National Life Insurance Company, One National Life Drive, Montpelier, Vermont 05604. Increasing the death benefit may be subject to additional underwriting approval. Variable
May be ideal for the consumer who has a need for life insurance, is somewhat conservative, and wants the guarantees of a fixed, minimum interest rate with the potential for additional interest credits. Increasing the death benefit may be subject to additional underwriting approval. Offers Flexible death benefit Flexible premium Policy cash values are credited a current interest rate that is set by the insurance company, which is
Having a formal buy-sell is important, but just as important is making sure the money is there to complete the buy-sell. There are a number of ways to fund a buy-sell agreement: Cash on hand Unfortunately, cash (surplus cash!) is not always available when its needed most and depending on your business, the amount may be substantial. Sinking fund Think of this as a savings account. With this method, money is set aside
You can help cover the financial loss your business would experience at the death of a key employee by insuring your key people. Key person insurance can be used to: Keep lines of credit open. Train another employee for the same specialized skills. Assure the completion of ongoing project initiatives. Provide access to policy cash value through loans and withdrawals, which your business can use to meet unexpected business
Non-Qualified Deferred Compensation Salary Continuation
Your business may enter into an arrangement with your highly compensated or select group of management and provide them with a supplemental retirement arrangement that is tailored to both the business and executives needs. This arrangement is appropriate where the business entity will continue to operate for a long period, at least long enough to pay the benefits promised under the arrangement. Essentially, the business promises to pay a benefit
Types of Defined Benefit Plans
The advantage of Defined Benefit plans: Allows for substantially larger, tax deductible contributions Retirement benefit is known in advance Which Defined Benefit plan is best for your business? Traditionally Funded Defined Benefit Plans - this type of plan engages an actuary who, based on certain assumptions, determines how much money must be contributed to plan a fund the determined pension benefit. Plan formulas can be as