A way to weather the storm safely and profitably


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Are you saving for retirement with an IRA, 401(k), 403(b), or other IRS qualified plan? If so, consider the costs: commissions of 1 to 3%, market losses, the RMD after age 70 1/2 and worst of all, taxes on income including possibly Social Security after retirement. If these concern you, there is a safe way to save, benefiting with the market upside and not the downside; avoiding taxes after retirement; no RMD requirements; access to savings tax free before age 59 1/2 and more.

How much do you need to save?

We can help you set a personal goal and determine how long your current savings will last. Most of all we can help you develop a secure future within your means.

Your most important retirement decision?

The most important financial decision most folks make is when and how to take Social Security. This is the one program most working people have earned and it is designed to last a lifetime. It is important to take full advantage of this program and to believe it will be there for you.

The second most important decision may be your choice of a Medicare supplement and prescription drug plan. We will gladly email you a chart of all the plans available in Vermont, including premiums.

Free Reports

There are also free printed reports on (1) the different kinds of life insurance, (2) how indexing works and (3) "Super" CDs offered by major banks with reference to fixed annuities.