Stability Beyond Retirement: Plan for Income that Lasts a Lifetime!

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Income For Life

• One Of The Most IMPORTANT Retirement Income Planning For You And Your Loved One.
• When You Don't Work, You Can't Earn. So It's Better To Plan Passive Income For Life To Secure Your Retirement. Use Our Expertise Of Creating Life Time Income.
• Contact us for IRAs - 401(K) - SEP IRAs - Roth IRAs - Fixed - Index - Variable Annuity or Mutual Fund

IMPORTANCE

Income For Life

One of the most IMPORTANT retirement income planning for you and your loved one. In general, people are not able to work during their retirement and have less income compare to expenses. Another important point to remember that cost of living is also going high year by year, so we do need to plan income for life regardless.

OPTIONS

IRA – Roth IRA – SEP IRA – 401(K)

For retirement income planning, you can utilize your current plan or make new plan. It may give you some tax benefits as well.   

Understand INCOME FOR LIFE Needs

Whether you are depending on Social Security System or not for your retirement, you need to understand that the Social Security program is already operating at a cash flow deficit. By 2030, the Social Security Administration projects that it will only have enough revenues coming in at current tax rates to fund 76 percent of promised Social Security Income benefits.

Even though you have paid into Social Security your whole life, the fact is that you have no enforceable contract with the United States to keep paying you the benefits that are currently projected. Social Security was never meant to be the sole source of retirement savings, so needs to plan something for your retirement. To maintain your income during your retirement, you must make many decisions.

Following are some of the questions you should think before choosing a specific income plan.

 

• How much income you really need during retirement?
• How much income GAP you can afford? If there is a Gap between your Life Insurance need and your current Life Insurance, what’s your back up?

Understand INCOME FOR LIFE Options

• The best option is, while you are still in your working years, is to eliminate consumer debt as much as possible, and contribute as much as you can to savings and investments – just as you would do if Social Security didn’t exist
• Pay off credit cards and other forms of non-mortgage and non-investment debt
• Put some cash in the bank. You don’t want to have to withdraw money from a retirement fund unnecessarily
• Contribute to your 401(k) or SIMPLE IRA  –  at least up to the maximum contribution for which your employer will provide a match
• Fully fund a Roth IRA, if you are eligible
• If you are self employed, MUST create a SEP IRA, or form a solo 401(k)
• Create a Supplemental Life Insurance Retirement Plan (SLIRP)

Affordable
Cost Quality
of Work

Keep In Mind

Shopping For The Suitable Retirement Plan Of Income For Life Is Challenging But We Can Help You To Make It EASY.

Quick & Easy Buying Process

01

Needs Analysis & Product

• Evaluate perfect needs of life insurance for you and your family
• Determine Life Insurance GAP with your current life insurance
• Shop around for the best policy for your unique circumstances
• Present & explain 3 best options and answer all your questions

02

Application & Underwriting

• Complete an on-line or paper application
• Process for your application with digital signature for underwriting
• Setup and follow-up your physical exam
• Follow-up with underwriters for best possible rates

03

Policy Review & Follow-up

• Assess and discuss policy with you and your family
• Collect necessary premium and deliver digital or physical policy
• Assist you to change any needs or beneficiary until the policy ends
• Periodic policy review to achieve your goal and required policy

Find a local insurance agent

Contact us Will shop-around for you

Life Time Income Carriers

We are an independent insurance broker, not an employee of a company. We represent following carriers & adding more to provide best suitable option at competitive offer. Contact with us

Have questions? Feel free to write us

Find out the FAQs on topic below and if you unable to find what you need, please fill out our contact form. Our team member will reply as early possible.

Call expert

(732) 820-0047

Write email

inquiry@NeptuneFinServe.com

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8 Quakerbridge Plaza Suite H, Hamilton, NJ 08619

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