Retirement Planning
A 403(b) tax-sheltered annuity is, in most cases, a supplemental retirement program designed for employees of institutions such as public schools, hospitals, colleges and universities. There are three key advantages to a 403(b): you get tax savings now, tax-deferred earnings throughout, and a variety of investment options to choose from. |
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Investment Basics
You're already saving for retirement, but saving is only part of the equation. Not only do you need to set money aside, you also need to decide how to make that money work for you. In other words, you need a retirement investment strategy. |
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Annuities
Annuities are classified in a number of different ways. For federal tax purposes, annuities are classified as either qualified or nonqualified. A qualified annuity is purchased as part of, or in conjunction with, an employer provided retirement plan or an individual retirement arrangement (such as a Simplified Employee Pension Plan). If certain requirements are satisfied, contributions made to qualified annuities may be wholly or partially deductible from the taxable income of the individual or employer making the contributions. |
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Pension Plans |
403b, 457, Traditional IRA's, Rollover
IRA's, Roth IRA's, Education IRA's
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