Retirement Planning

Take the Uncertainty Out of Your Financial Future

At B2 Insurance, we understand the importance of financial security. We are dedicated to helping you create a retirement plan to help you feel more confident in your future. No matter if you are looking for personal retirement options, or retirement plans for your business, we are happy to help.

What to Expect From Retirement Planning

At B2 Insurance, we take the time to fully understand your wants and needs to develop a comprehensive plan for retirement. Our retirement advisor specializes in a vast variety of financial services. To help find the best retirement plan for you and your family, we will:

  • Take the time to analyze your current portfolio investments
  • Recommend the best investment options
  • Determine the best retirement plan
  • Assist you in seamlessly implementing your plan

These are just a few of the many scenarios where our financial planners can assist you and your family in making a step in the right direction.

Retirement Planning FAQ

Our business associate, and retirement planning expert can provide complimentary financial planning, retirement planning and financial education, as well as the following retirement plans:

Black Q IconWhat is a Roth IRA?

A Roth IRA is a retirement account where you contribute after-tax dollars. This account allows your money to grow tax-free, but you will not be able to get a tax deduction for your contributions. There is also no minimum age or time frame that you must wait to withdraw your saved funds. When you are ready to take out your funds, you will not have to pay taxes on the funds withdrawn or a penalty fee.

Black Q IconWhat is an Annuity?

If you are looking to receive a steady income stream in your retirement, annuities can be a great option for you. This is an insurance product that pays out your saved assets. You can choose to spread out your payments monthly, quarterly, annually, or in lump sum payments.

Annuities can also be used as investment products. An annuity can create tax deferred growth on a lump sum investment and can be managed similarly to a qualified retirement plan. Annuities are inexpensive ways to use multiple investment options toward retirement.

Black Q IconWhat are Qualified Tax Deferred Retirement Plans? (401(k), 403(b) TSA, etc.)

Qualified retirement plans are sponsored by an employer and allow employees to invest a percentage of their income into an investment account before taxes are taken out.

With a qualified retirement plan, you are able to control how your money is invested. Most plans offer a spread of mutual funds that are composed of bonds, stocks, target retirement funds, and money market funds.

With a 401k, you are able to control how your money is invested. Most plans offer a spread of mutual funds that are composed of bonds, stocks, and other money market investments.

Our wealth advisors will help you fully understand your options and choose the best, most effective investments in your qualified retirement plan. The three components of any investment are performance, risk, and fees.

At B2 Insurance, we have the ability to bundle your financial planning, 401(k), and all insurance needs, all under one roof. With this immense benefit, you can feel assured that your assets are well managed and protected without the hassles of switching between multiple companies.

To learn more about qualified retirement plans, please click here.

Black Q IconWhat is Life Insurance and Retirement Planning (LIRP)?

A LIRP is a retirement account that is similar to a Roth IRA. This retirement plan is essentially a life insurance policy that is designed to maximize the amount of cash within the account. Unlike traditional life insurance policies, you are buying as little insurance as is required by the IRS, while contributing as much money into your LIRP account as the IRS allows.

This wealth management tool has no limits on contributions, no income limits, and no legislative risks. This retirement plan is becoming one of the most desired plans out there.

With the help of our financial planners, we can help you set up and manage these accounts to ensure you have a successful and stress free retirement.

Black Q IconWhat are Pensions?

A pension is a retirement account that is administered by your employer. This account is maintained by your employer and is designed to give you a fixed payout when you retire. This defined benefit plan is based upon how long you worked for your employer and your salary.

Black Q IconWhat is a Traditional IRA?

An IRA is a separate retirement plan that does not involve an employer. The money that you add into this account will grow with your investment options tax deferred. There are contribution limits to what you can invest in an IRA. Our advisors can go into more detail.

Traditional IRAs also offer a tax deduction.

Take the uncertainty out of your financial future.