Retirement Planning

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As you well know, planning for retirement is one of the most important things you'll ever do.
That's because where you invest, when and how much are all critical to your quality of life.

Making the most of your savings and making it last throughtout your retirement requires an intelligent strategy. That's why Gough Insurance & Financial Services is happy to offer you a no obligation, and no fee One Hour Free Consultation which will include ways to prevent you from potentially outliving your money, and the pitfalls you should watch for and avoid. We will examine each component of your retirement strategy. Feel free to contact Gough Insurance & Financial Services about how we can work together to further hone your plan to make sure you're on the right road to retirement.

RETIREMENT PLANS

VALUE ADDED BENEFITS:

*I.R.A.'S *EMPLOYEE MEETINGS

*S.E.P./I.R.A.'S

*LANGUAGE INTERPRETERS

*401K *NEWSLETTERS

*DEFINED BENEFITS *STOCK

OPTIONS-TAX ANALYSIS

*DEFINED CONTRIBUTION -ESTATE PLANNING

*COMPARABILITY PLANS

*SEC.125 CAFETERIA PLANS

HAVING AN IN-DEPTH UNDERSTANDING OF YOUR NEEDS AND GOALS
IS A FUNDAMENTAL PROCESS TO THE WAY WE WORK WITH YOU

Today, many American are living longer and healthier lives. Americans may live one-third of their lives in their retirement years. This has caused a great concern for Americans fearful of outliving their savings. With the increase of inflation, and the "Full Benefit" age gradually increasing to age 67 retiring early eliminates ones greatest earning years and the resulting in savings that would have taken place in those years.

Unfortunately, for Social Security the future still holds some uncertainty. Experts are saying you will need up to 70 to 80% of your pre-retirement income to live comfortably during your retirement years.

Gough Insurance & Financial Services can advise you of your options and guide you through the process by helping you:

1. Map your course to retirement
2. Identify your income stream sources
3. Consolidate your assets and create long-term plan

Employee Sponsored Plans

Selecting the right retirement plan for your company can mean thousands of dollars in tax savings. The primary concern for business owners is that they obtain the greatest amount deferment of their income. Many factors such as ages of those in the group, growth of the business, comparing the highly compensated employees to the non-highly compensated employees, help us in determining the plan that suits your business.

Once a plan is selected, we help you select the investment funds. We schedule employee meetings. Interpreters are also available for meetings with your employees.

Offering a retirement plan for an employee not only creates more loyalty, it helps the employee deferral income on a tax preferential basis. The type of plan is of major importance should be selected by incorporating the Census of the group (Ages of employees) & the income on each employee. With proper evaluation, a plan designed to fulfill the needs of your entire group. Administration of the Plan is important to Employers & Employees. Cost can vary and reviewed annually.

Individual & Self Employed Plans

There are no administration costs on these plans. There are many different choices:
Finding the plan to your income & desired deferment is our specialty. For complete analysis, please print the coupon for One Free Hour Consultation. We will find avenues to improve your current plan!

Purchasing the right insurance that meets your needs can be challenging. Insurance can be one of the most important ongoing purchases you make to protect yourself and your family from financial hardship. Since your needs and financial situation change over time, it is important to understand and review your insurance policies annually to decide if the same policies are still right for you.