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An affordable policy that provides financial protection for a specific period of time, usually 10 to 40 years.May be converted to a permanent policy.
A permanent policy that provides coverage for life. Such products provide living benefits, a cash value that grows over time and a set monthly premium.
A permanent policy that provides the flexibility in coverage and in monthly premiums. Such products provide living benefits and a cash value that grows in value.
A permanent policy with set monthly premiums that provides living benefits and a cash value that moves depending on investment performance. This product is subject to market risk*.
A policy that provides an income in the event that a policyholder is prevented from working and earning an income due to a disability.
Long-term care (LTC) insurance is coverage that provides nursing-home care, home-health care, and personal or adult daycare for individuals age 65 or older or with a chronic or disabling condition that needs constant assistance.
Key person insurance is a life insurance policy that a company purchases on the life of an owner, a top executive, or another individual considered critical to the business. The company is the beneficiary of the policy and pays the premiums. This type of life insurance is also known as “key man or “keyman” insurance.
Convert the money you have into a steady stream of income to help with retirement. Because immediate annuities rates are stated at purchase, you know your payment amount will typically remain the same over time.
Designed to help you plan and protect your retirement income. Fixed annuities earn a guaranteed interest rate and can provide an income stream for a lifetime.
Designed to help you plan and secure your retirement by allowing opportunity for your money to grow while providing protection to eliminate the risk to your investment. They may offer a minimum interest rate with upside potential from a specific market index.
Designed to help grow and protect your retirement income. They offer many advantages for retirement savers, including the potential for earnings that are higher than other types of annuities; Variable annuities are typically purchased to pay out in the future, giving the investment options in the annuity the chance to grow tax-deferred. This product is subject to market risk*.
A 401(k) plan is a retirement savings plan offered by employers that has tax advantages for the saver and the employer. It is named after a section of the U.S. Internal Revenue Code (IRC). The maximum contribution limit for a 401(k) plan in 2024 is $23,000. For those aged 50 and over, there is an additional catch-up contribution limit of $7,500, making the total contribution limit for older employees $30,500
A fully insured defined benefit plan, also known as a 412(e)(3) plan, is a type of pension plan designed to provide a predetermined retirement benefit, funded exclusively through the employer. These plans offer stable, guaranteed returns, protecting employers and employees from market fluctuations and providing maximum security for retirement planning. The maximum contribution for 2024 is $440.382.
A hybrid defined benefit plan is a retirement plan that combines features of both traditional defined benefit (DB) and defined contribution (DC) plans. It typically includes a DB component, which promises a specified retirement benefit, and a DC component, where the retirement benefit is based on contributions and investment returns. These plans aim to balance the employer’s funding obligations with the employee’s desire for investment control and potential growth.
A simplified employee pension (SEP) is an individual retirement account (IRA) that an employer or a self-employed person can establish. The employer is allowed a tax deduction for contributions made to a SEP IRA and makes contributions to each eligible employee’s plan on a discretionary basis.
A 403 or 457 plan is a tax-advantaged retirement savings plan offered to employees of many state and local governments and some nonprofit organizations. Like the better-known 401(k) plan in the private sector, those plans allows employees to deposit a portion of their pre-tax earnings in an account, reducing their income taxes for the year while postponing the taxes due until the money is withdrawn after they retire.
A traditional individual retirement account (IRA) allows individuals to direct pre-tax income toward investments that can grow tax-deferred. The IRS assesses no capital gains or dividend income taxes until the beneficiary makes a withdrawal. Individual taxpayers can contribute 100% of any earned compensation up to a specified maximum dollar amount. Contributions are tax deductible.
A Roth IRA is a special type of tax-advantaged individual retirement account to which you can contribute after-tax dollars. The primary benefit of a Roth IRA is that your contributions and the earnings on those contributions can grow tax-free and be withdrawn tax-free.
A profit-sharing plan is a retirement plan that gives employees a share in the profits of a company. Under this type of plan, also known as a deferred profit-sharing plan (DPSP), an employee receives a percentage of a company’s profits based on its quarterly or annual earnings. A profit-sharing plan is a great way for a business to give its employees a sense of ownership in the company, but there are typically restrictions as to when and how a person can withdraw these funds without penalties. The maximum contribution limit for a profit-sharing plan in 2024 is the lesser of 100% of compensation or $69,000.
A Health Savings Account (HSA) is a tax-advantaged account created for or by individuals covered under high-deductible health plans (HDHPs) to save for qualified medical expenses. Contributions are made into the account by the individual or their employer and are limited to a maximum amount each year. The contributions are invested over time and can be used to pay for qualified medical expenses, such as medical, dental, and vision care and prescription drugs.
Choose from common stock, depository receipt, unit trust fund, real estate investment trusts (REITs), preferred securities, closed-end funds, and variable interest entity.
Select from a range of ETFs including active equity, fixed income, thematic, sustainable, and more.
A mutual fund is a financial vehicle that pools assets from shareholders to invest in securities like stocks, bonds, money market instruments, and other assets. Mutual funds are operated by professional money managers, who allocate the fund’s assets and attempt to produce capital gains or income for the fund’s investors. A mutual fund’s portfolio is structured and maintained to match the investment objectives stated in its prospectus. the beneficiary makes a withdrawal. Individual taxpayers can contribute 100% of any earned compensation up to a specified maximum dollar amount. Contributions are tax deductible.
Those types of investment security that pay investors fixed interest or dividend payments until their maturity date. At maturity, investors are repaid the principal amount they had invested. Government and corporate bonds are the most common types of fixed-income products.
These financial securities are commonly used to access certain markets and may hedge against risk. Derivatives can be used to either mitigate risk or assume risk.
529 Plans are Education savings plans that grow tax-deferred, and withdrawals are tax-free if they’re used for qualified education expenses. Prepaid tuition plans allow the account owner to pay current tuition rates for future attendance at designated colleges and universities. That means that, most likely, you can lock in a lower cost of college attendance.
Publicly traded markets have partially lost momentum in terms of return. Private equity identifications are an alternative to seek new trends and spot opportunities.
Insurance and Annuity products are offered through Gamma Insurance Brokerage.
