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Retirement Savings

 

Health Savings Account (HSA) - Tax-free in and Tax-free out to pay for medical, dental, vision and HSA approved expenses not covered by insurance. Money can be invested and used for retirement like a 401k or IRA after age 65 without penalty.   Annual contribution limit is $6,250 + $1,000 if over age 55.  Stop funding at age 65 per guidelines.  

Roth Individual Retirement Account - Taxable in and Tax-Free out after age 59 1/2.   Invested in the stock market.  Convert at retirement to safe money .  Guarantee of principal with the potential of market-linked growth No risk of loss due to market down turns.  Minimum guaranteed returnsNo sales charges or management fees.     

IRA / 401K / SEP - Tax-Free in and Taxable out after age 59 1/2.   Invested in the stock market.  Convert at retirement to safe money.  Guarantee of principal with the potential of market-linked growth No risk of loss due to market down turns.  Minimum guaranteed returnsNo sales charges or management fees. 


Whether its Life, Health, Disability or Retirement, we can show you how to make more intelligent decisions, keep you informed of the latest news, and guide you to a prosperous and profitable future. Call Tom Rogala direct at 888-245-0583 to discuss options.

 

If you lost this much in the market:

It could take this many years to rebuild your nest egg:

 

@ a 3% return

@ a 6% return

@ a 8% return

10%

3.6 years

1.8 years

1.3 years

20%

7.5

3.7

2.9

30%

12

6

4.6

40%

17

8.6

6.6

50%

23.2

11.6

9

 
Your comprehensive annuity investment guide: Annuities.
 

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