retirement Planning
Retirement Planning
Enjoy Your
Retirement
Years How
You Want
At Premier Health Advisors, we use a non-traditional approach to help our clients understand financial concepts and dynamics. This forms the foundation for a personalized road map, helping balance growth potential with reduced risk.
We offer a wide variety of financial products and services to provide these economic strategies for our clients, whether they are individuals, families, or business owners.
As a general agency with the companies of OneAmerica®, we are proud of our reputation for helping our clients create possibilities in their lives. Our experienced and knowledgeable professionals provide a “hands-on” approach to financial guidance.
We keep you focused on where you want to go, guide you on how you can get there, and continually remind you of the importance of maintaining a disciplined approach to realizing your goals.
Long Term Care
Prepare for your retirement years by reducing the expense and burden of long-term care on you and your loved ones. You want to live out the last days of your life as comfortably and with as much dignity as possible.
Lack of long-term care coordination can lead to disputes within any family, regardless of economic status.
The companies of OneAmerica® offer specific products, based on life insurance and annuities, which can provide long-term care benefits if needed.
If care isn't needed, your asset is passed down, underscoring the advantage of asset-based long-term care over the standard long-term care insurance.
Learn how to make financial decisions now that can help support your loved ones emotionally and financially.
Medicare is for:
People age 65 or older
People under the age of 65 with certain disabilities
People of any age with end-stage renal failure disease. (ESRA: permanent kidney failure requiring dialysis or a kidney transplant)
How does asset care work?
More than just nursing home care
Long-term care (LTC) is intended to provide support to those who need assistance due to severe cognitive impairment, or help completing Activities of Daily Living (ADLs) like eating or bathing. Our LTC solutions can help you pay for almost any level of care, ranging from local care during the day to more specialized support:
Home healthcare
Assisted living
Nursing home
Adult daycare
Hospice
Making financial decisions now could assist your loved ones with potentially difficult decisions in the future.
How does asset care work?
More than just nursing home care
Long-term care (LTC) is intended to provide support to those who need assistance due to severe cognitive impairment, or help completing Activities of Daily Living (ADLs) like eating or bathing. Our LTC solutions can help you pay for almost any level of care, ranging from local care during the day to more specialized support:
Home healthcare
Assisted living
Nursing home
Adult daycare
Hospice
Making financial decisions now could assist your loved ones with potentially difficult decisions in the future.
401(K) Plans
A 401(k) plan is a tax-advantaged, defined-contribution retirement account offered by many employers to their employees. It is named after a section of the U.S. Internal Revenue Code. Employees can make contributions to their 401(k) accounts through automatic payroll deductions. Employers may match some or all of those contributions. The investment earnings in a traditional 401(k) plan are not taxed until the employee withdraws that money, typically after retirement. In a Roth 401(k) plan, withdrawals can be tax-free.
There are two basic types of 401(k) plans - Traditional & Roth-
which differ primarily in how
they’re taxed.
A 401(k) plan is a company-sponsored retirement account that employees can contribute to. Employers may also make matching contributions.
In a traditional 401(k), employee contributions reduce their income taxes for the year they are made, but their withdrawals are taxed. With a Roth, employees make contributions with post-tax income but can make withdrawals tax-free.
401(K) Plans
A 401(k) plan is a tax-advantaged, defined-contribution retirement account offered by many employers to their employees. It is named after a section of the U.S. Internal Revenue Code. Employees can make contributions to their 401(k) accounts through automatic payroll deductions. Employers may match some or all of those contributions. The investment earnings in a traditional 401(k) plan are not taxed until the employee withdraws that money, typically after retirement. In a Roth 401(k) plan, withdrawals can be tax-free.
There are two basic types of 401(k) plans - Traditional & Roth-
which differ primarily in how
they’re taxed.
A 401(k) plan is a company-sponsored retirement account that employees can contribute to. Employers may also make matching contributions.
In a traditional 401(k), employee contributions reduce their income taxes for the year they are made, but their withdrawals are taxed. With a Roth, employees make contributions with post-tax income but can make withdrawals tax-free.
Annuities
Will Your Retirement Income Last?
Millions of Americans will retire without knowing whether they will have enough money to cover their expenses. You don’t have to be one of them! Annuities are flexible products and, depending on the type, can meet your needs for protected lifetime income, growth, and downside protection.
WHY ADD AN ANNUITY?
Your retirement portfolio may include stocks, bonds and mutual funds that all play a part in helping you achieve a successful retirement. However, you may want to consider adding an annuity, which can complement your portfolio by providing attributes for retirement that those categories do not offer.
The biggest advantages annuities offer is that they allow you to sock away a larger amount of cash and defer paying taxes. Unlike other tax-deferred retirement accounts such as 401(k)s and IRAs, there is no annual contribution limit for an annuity.
Is an annuity right for you?
You may not be familiar with annuities, but they have a rich history dating back to Ancient Rome. In fact, millions of Americans currently use annuities to help their retirement savings grow and to create protected income that can help cover essential expenses and contribute to a more enjoyable retirement.
In its simplest terms, an annuity is a contract between an individual (or married couple) and a life insurance company. You can purchase an annuity with a portion of your retirement savings in either a single payment or with multiple payments, depending on the type of annuity. Once you own an annuity, any growth in your account may be on a tax-deferred basis while you continue to have control of your money, as needed.
Annuities can be an important part of a diversified retirement portfolio because they can ensure that your retirement income is protected even when there are downturns in the market. So no matter how your other retirement investments perform, annuities can provide you with a source of protected lifetime income that few other financial products can offer.
Retiring comfortably is a goal shared by most. Annuities can provide protected lifetime income every month with growth potential. Contact our financial professionals to determine if an annuity could help your retirement plan.
Annuities
Will Your Retirement Income Last?
Millions of Americans will retire without knowing whether they will have enough money to cover their expenses. You don’t have to be one of them! Annuities are flexible products and, depending on the type, can meet your needs for protected lifetime income, growth, and downside protection.
WHY ADD AN ANNUITY?
Your retirement portfolio may include stocks, bonds and mutual funds that all play a part in helping you achieve a successful retirement. However, you may want to consider adding an annuity, which can complement your portfolio by providing attributes for retirement that those categories do not offer.
The biggest advantages annuities offer is that they allow you to sock away a larger amount of cash and defer paying taxes. Unlike other tax-deferred retirement accounts such as 401(k)s and IRAs, there is no annual contribution limit for an annuity.
Is an annuity right for you?
You may not be familiar with annuities, but they have a rich history dating back to Ancient Rome. In fact, millions of Americans currently use annuities to help their retirement savings grow and to create protected income that can help cover essential expenses and contribute to a more enjoyable retirement.
In its simplest terms, an annuity is a contract between an individual (or married couple) and a life insurance company. You can purchase an annuity with a portion of your retirement savings in either a single payment or with multiple payments, depending on the type of annuity. Once you own an annuity, any growth in your account may be on a tax-deferred basis while you continue to have control of your money, as needed.
Annuities can be an important part of a diversified retirement portfolio because they can ensure that your retirement income is protected even when there are downturns in the market. So no matter how your other retirement investments perform, annuities can provide you with a source of protected lifetime income that few other financial products can offer.
Retiring comfortably is a goal shared by most. Annuities can provide protected lifetime income every month with growth potential. Contact our financial professionals to determine if an annuity could help your retirement plan.
Would you like to know more about
how our experts at Premier Health Advisors
can help protect you and your family?
Would you like to know more about
how our experts at Premier Health Advisors can help protect you and your family?
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