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Prepare for the road ahead

Retirement Strategies

We provide the following reitrement strategy services:




 After you decide to retire or leave your current employer to assume a new responsibility, you often have another important decision to make--what to do with your pension, profit sharing, 401(k), 403(b) or other employer-sponsored retirement plan benefits. This may be the largest investment decision that you'll ever make, so it is important that you understand your choices. Most employer-sponsored plans offer four different choices.

  • Take your money in cash
  • Leave your money in the employer's plan
  • Move your money directly or through a conduit IRA into a new employer's plan
  • Roll over your money into an IRA


In many ways, IRA rollovers are like other Individual Retirement Accounts. The difference is where the money in the IRA comes from. Rollover IRA's are funded with money that's already been invested in a qualified retirement plan like a 401(k), a 403(b) plan, a Keogh, or a governmental 457 plan; or in a traditional or Roth IRA. The rollover may let you move the money without owing any tax.

With a Rollover IRA designed by Premier Financial you enjoy these benefits:

  • No taxes or penalties if money is directly rolled over from your company's retirement plan
  • Continued tax deferment on your investment earnings
  • Flexibility in choosing and changing your investments
  • Control of your money based on your needs, not the policies of your company's plan

IRA / Retirement

Individual retirement accounts allow those people who don't have a retirement plan options where they work to save for their future.


IRA's have two different types to be the most suitable to fit the individual needs

  • Traditional IRA
    Contributions are made on a pre-tax basis, then allowed to grow tax free until distribution
    Contributions are made on a post tax basis.



What is an annuity?
An annuity is a retirement planning tool designed to help you accumulate funds on a tax-deferred basis and then convert those funds into a retirement income. It is a legal contract between you and an insurance company. You pay the insurance company a premium(s) and in return, the insurance company pays you an income for a specified period of time or the rest of your life - whichever you choose. Only an annuity can guarantee an income you cannot outlive.

What are the basic types of Annuities?
Two basic types of annuities are the deferred annuity and the immediate annuity. Immediate annuities are useful in providing current income to fill the gap between your income and expenses or in funding a life insurance policy, to name just a few. Deferred annuities, on the other hand, help you accumulate funds prior to retirement.


The world is always changing.

  • Individuals today are living longer, healthier lives
  • We change employers more frequently than in the past; employers change retirement plans
  • Health care costs escalate annually
  • The Social Security system is uncertain

Will you be ready for your retirement? Protect yourself from outliving your financial resources. Start planning today.

Our innovation and experience allow us to create customized Annuity plans that will best meet your needs and requirements.


Group Retirement Plans


When it comes to saving for retirement, an employer-sponsored retirement plan offers many advantages:

  • Generally, you pay no federal taxes on the money you put into the plan until it is time to take withdrawals.
  • You pay no federal income taxes on investment earnings until it is time to take withdrawals.
  • Often times your employer will match a percentage of the amount you put towards you plan.
  • You get the advantage of investing in the professionally managed funds that make up your particular plan.
  • Participating in an employer-sponsored plan is a quick and easy way to save towards retirement.


We can help you design plans that will suit your company's needs:

The following are some of the common employer sponsored retirement plans.

  • SEP-IRA (Simplified Employee Pension)
  • Money Purchase / Profit Sharing (Keogh)
  • 401(k) Plan
  • 403(b) Plan
  • Section 457 Plan



Alternative Investments


Brokerage Accounts




Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck