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Retirement Planning

Planning for retirement takes careful strategy. To get started, we’ll take you through a step-by-step process to help determine your retirement needs. From there, we’ll offer a plan that is suitable for you. At Integrity Financial Group, we want to help make sure this season of your life is truly rewarding.

Important Facts

There are usually three main sources of income to draw from at retirement:

  1. Social security
  2. Employer qualified retirement benefits
  3. Personal savings and investments

Retirement planning consists of aligning the resources from these three to help assure a financially rewarding retirement for you.

Items We Address

  • Retirement Plans:
    • Qualified Plans: Defined Benefit, Defined Contribution: Money Purchase and Profit Sharing plan types, Target Benefit, Keogh for the self-employed and Section 401(k).
    • Non-Qualified Plans: Simplified Employee Pension (SEP) plans, SIMPLE retirement plans
    • Individual retirement accounts: IRAs and Roth IRAs
      • Traditional v. Roth
    • 403(b) plans also known as Tax-Sheltered Annuities or TSAs
    • Rollovers: Direct rollovers and Plan-to-Plan transfers
    • Section 457 Plans: Government employees and Non-Profit companies
  • Pension Income Supplemental Life Insurance
  • Qualified v. Nonqualified Accumulations
  • Lifetime Required Minimum Distributions: How they work
  • Incidental Life Insurance in Qualified Retirement Arrangements
  • Profit Sharing Arrangement
  • Survivor Supplement Retirement Income Funded with Life Insurance