img

Retirement Planning

insurance quote form

Retirement Planning

Planning for retirement should start during your working years, as early as possible. Whether you are a contracted employee, a salaried employee, or a business owner, the right retirement plan should be implemented.

img

Types of Retirement Plans

A well-crafted retirement plan will provide you with significant tax savings. The types of retirement plans vary based on whether you are an employee, an independent contractor, or a business owner. The federal government has put several tax incentives in place to inspire workers to set aside money for retirement. The types of retirement plans include:

  • 401(k): These are company-sponsored retirement plans that allow employees to contribute to a retirement plan. The company can match funds. The contributions made to the fund are pre-tax, reducing taxable income, but will be taxed when withdrawn from the fund.
  • Roth 401(K): A Roth 401(k) involves contributions made with after-tax income, with the later withdrawals tax-free.
  • IRA: A traditional IRA allows you to contribute to a retirement fund pre-tax. You may be in a lower tax bracket after retirement, with savings.
  • Roth IRA: These funds involve contributions after tax, with the fund growing over time tax-free, along with tax-free withdrawals when you retire.
  • SEP IRA: A SEP (Simplified Employee Pension Plan) can be established for employees or self-employed individuals. Only the employer contributes to these plans, making them a popular method for retirement planning for self-employed individuals.
  • Simple IRA: These plans are for employees, and the employer may match contributions. Contributions can also be guaranteed but have lower contribution limits than some other plans.
  • Solo 401(k): These retirement plans serve business owners who have no employees. The benefits include contribution limits higher than some other individual retirement plans.

    • Contact us for assistance with retirement planning strategies that suit your situation.

img
  • 401(k) Retirement Plans
  • Indexed Annuities
  • IRA
  • Pension
  • Roth IRA
  • Social Security
  • Teacher Retirement System (TRS)

Our Partners

As independent agents, we have established long-term, solid relationships with some of the top national and regional carriers in the industry. Our experienced staff will be able to provide comprehensive, expert insurance solutions and service.

For you, our client, this provides competitive pricing, coverage options, and peace of mind that the company providing your insurance coverage meets our standards.

Clients Testimonials

I give him more than 5 stars.

“I’m very happy to have Cesar Sanchez as my life insurance agent, he is prompt, knowledgeable, efficient, and friendly, always finds me the best life terms. Cesar is a great insurance agent. He put my interest ahead of his own. I give him more than 5 stars.”

Laura C

I absolutely recommend him because he is very professional...

“When Cesar contacted me to offer his retirement services I was a little hesitant at first. I decided to hear him our and in all honesty he is a very good financial advisor. I mentioned him to my husband and he was very pleased to hear about his services. Cesar helped my husband a lot including taking him to obtain important forms that were required. He explained how to get the best benefits for our retirements. I absolutely recommend him because he is very professional and goes above and beyond to help us. Thank you very muc Mr. Sanchez.”

Maricela a Francisco Arrgeuin

He is super helpful and listens in what you all need.

“Cesar Sanchez is very good at what he does. He is super helpful and listens in what you all need. If you are interested in benefits or if you need help financially just contact him and he will help you find benefits and programs that fit your needs.”

Cynthia S

He always makes promises that he has kept...

“I feel that this agency represented themselves with honesty and integrity and had my best interest in mind .Cesar Sanchez walks the walk and talks the talk .He is honest and has my respect and my business .He always makes promises that he has kept and has been very responsive to me and my wife .”

Eli R