Montana Retirement Planning

Retirement planning services for your personal needs.

Do you know what your retirement looks like?

Do you know how much money you will need?

or...Are you concerned that you will outlive your money?

Times simply have changed and many people, whether they are financially savvy or not, are looking for more information about ways to fund their retirement...with a guaranteed lifetime income stream and guaranteed products.

Many people turn to CD's to help them avoid the volatile market, but banks are still failing at a record rate. Look at this article. As with all things in life, there are good ones and not so good ones.

I am an annuity expert.
Annuities have changed greatly over the years: most offer free withdrawals, some offer a return of premium, some offer long-term care type benefits, many offer great flexibility.

Social Security and pensions offer a similar form of retirement income protection – but in limited dollar amounts. (Few Americans will be able to enjoy the benefits from a pension.) With an annuity, even better for many retirees, the older you are, the larger your monthly payments will be for the same price.

Inflation Protection – You can customize annuities to ensure that your monthly paycheck will keep pace with the cost of living. This is critically important because inflation can have a devastating effect on your assets. The downside of an add-on like inflation protection is that it will cost more – in an initial cost or in lower starting payments to begin with.

Principal Protection – One of the best features of fixed and equity indexed annuities is that the value of the annuity can be guaranteed to be at or above the amount invested. You can guarantee that you (or your heirs) will receive back at least as much money as you invested in the annuity.

Tax Efficiency – The purchase of an annuity with qualified retirement savings (401k or IRA funds) can save you money on taxes over taking a lump sum payment. You can roll-over qualified funds into a qualified annuity without any tax penalties. You only pay taxes on the income the annuity provides.