Retirement Planning

Whether it's a short five-year horizon or a long-term 25-year plan, preparing for retirement is essential for everyone. Smart decisions regarding how much to save and which retirement savings plan to choose are crucial. These choices can determine whether you'll enjoy a comfortable lifestyle in retirement or face financial challenges.

Tax-free Retirement Annuities

What is an Annuity?

An annuity is a financial product that pays out a fixed stream of payments to an individual, typically used as an income stream for retirees. It's a contract between an individual and an insurance company where the individual makes a lump-sum payment or a series of payments. In return, the insurer agrees to make periodic payments to the individual at some future date. These payments can last for a fixed period, such as 10 or 20 years, or for the lifetime of the individual, providing a steady income stream in retirement.

Annuities come in various types, including:

Fixed Annuities: Provide regular, guaranteed payments.
Variable Annuities: Payments vary based on the performance of the investment options chosen.
Immediate Annuities: Begin payments shortly after the initial investment.
Deferred Annuities: Payments begin at a future date.

Annuities can be a valuable tool for retirement planning, offering benefits like income stability and tax-deferred growth. However, they can also come with fees and limitations, so it's important to understand the terms and conditions before purchasing.

Annuities are income for Life

Preparing for retirement presents a significant financial hurdle for many Americans. The decline of company pension plans, uncertainties surrounding Social Security, and the contribution caps on 401(k) and IRA plans can restrict your ability to amass sufficient savings. Annuities offer a solution by providing the advantage of tax-deferred growth, along with a stable, guaranteed income stream during retirement.

Social Security

How can I Optimize my Social Security to get the most out of my Retirement Income?

Every day, over 10,000 Baby Boomers step into retirement, facing pivotal questions: When is the optimal time to start Social Security benefits? Is it advisable to collect Social Security while still employed? What additional benefits might I qualify for? How will healthcare expenses impact my retirement funds? Should I start collecting Social Security at 62, wait until my full retirement age, or delay until 70? These inquiries don't have universal answers. With more than 700 different strategies for Social Security, making the right choice is crucial for securing a comfortable retirement.

We provide personalized consultations designed to maximize your retirement benefits through Social Security optimization. In these sessions, we'll explore various scenarios, including the decision to start benefits at 62 and accept a permanent reduction, versus waiting until 70 to increase your benefits. We'll assess the impact of taxes on your retirement income, explore eligibility for spousal benefits, and much more.

Discover how to retire comfortably and maintain the lifestyle you've diligently worked towards.

Learn how to retire with the lifestyle you’ve worked so hard to achieve.

This is a solicitation for insurance. Submitting this form, you understand that your contact information will be provided to a licensed sales agent who can enroll you into a Medicare Advantage, Prescription Drug (Part D), and Medicare Supplement Insurance plans and you agree to receive automated marketing messages via email, auto dialer, text, or robocalls. Cellular charges may apply. Your consent to connect with a licensed insurance agent(s) does not impact eligibility to enroll or the provision of services. Call Alpha Insurance Marketing at 1-855-932-7500 to unsubscribe from this offer.

+1 844-587-0008

Monday - Friday

9 am to 5 pm, EST

Si hablamos español!

We do not offer every plan available in your area. Currently we represent 3 organizations which offer 27 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. JSM Agency represents Medicare Advantage [HMO, PPO and PFFS] organizations [and stand-alone PDP prescription drug plans] that have a Medicare contract. Enrollment depends on the plan’s contract renewal. A non-government entity powered by JSM Agency, a health insurance agency. PLEASE NOTE: Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.

MULTIPLAN_JSIA_WEB1_2025_C