Retirement Plans

Planning for retirement is about creating options. With an Indexed Universal Life (IUL) policy, you get life long protection building a cash value that grows tax-deferred. Unlike traditional retirement accounts, your money is linked to market performance with built-in safeguards, so you have the chance to grow without the fear of losing everything in a downturn, and be able to use it later in life.

At Dickson & Serra, we believe your retirement should feel secure and flexible. As a retirement strategy, you contribute more than the cost of insurance to build cash value. IULs are typically overfunded during working years to maximize cash value. In retirement, that money can be accessed tax-advantaged through policy loans or withdrawals, giving you more flexibility to cover expenses, enjoy opportunities, or leave a legacy. Meanwhile, your loved ones remain protected with a permanent death benefit.

Want to see how an IUL could fit your plan? Lets explore your options and design a plan around you.

Retirement is something you and most people do not think after it is too late to make a difference. You have to plan for the future to enjoy our golden years with pride and independence.  Our team can answer any questions, and we're here to find you a plan that fits your budget and needs.

Dickson & Serra will help you find a 401k, the most popular employer-sponsored retirement plan designed for private companies. Beneficiaries can make pretax contributions, and Employers may choose to match their participants' contributions.  To learn more about 401K plans, send us your questions here.

You are thinking about better preparing for the future and have questions about IRAs and how to obtain a plan. Our team can answer any question, and we're here to find you a plan that fits your specific situation.

Dickson & Serra's extensive network gives us the ability to find you the best plan. Traditional IRAs offer the critical advantage of tax-deferred growth, meaning you won't pay taxes on your untaxed earnings or contributions until you're required to start taking distributions at age 72. With Traditional IRAs, you make deposits with money you could deduct on your tax return, and any profits can potentially grow tax-deferred until you withdraw them in retirement. There are several options for Individual Retirement Accounts (IRAs). The key features of all IRA accounts: FDIC Insured - Up to $ 250,000 per depositor.  To learn more about IRA plans, send us your questions here.

When you are saving for retirement or looking for ways to build retirement income, annuities can play an essential role in your plans. These coverages offer tax-deferred growth, flexible income benefit options, and guaranteed death benefits. And you can use them to create a constant and guaranteed income stream during retirement.

Our team at Dickson & Serra is ready for your questions and eager to help you find a solution.  Some of the features of these plans are; Fixed Annuities, used to Avoid market volatility while providing a fixed rate of return. Income Annuities offer you guaranteed income now or in the future and potential market growth with Premium protection.

Variable Annuities provide you with potential investment growth in the market and options to create guaranteed income. To learn more about Annuities, send us your questions here.