Take Hold Of Your Financial Future with…

RISK FREE 403(B’S), HUGE 401(K) ROLLOVER BONUSES, AND COMPREHENSIVE LIFE INSURANCE INCLUDING AMAZING IUL’S.

401(K) ROLLOVERS

Perhaps you’ve left your job but still have a 401(k) or Roth 401(k) with your former employer; you’re retiring and are wondering if leaving your money in a 401(k) is the best option; or perhaps you simply want to diversify—now what?

LIFE INSURANCE 

We do everything we can for our loved ones, not because we have to, but because we want to. Whether you’re looking for coverage for a specific period of time or lifelong protection, with the right Life Insurance coverage, you can be happy knowing that your loved ones will be able to live out their dreams, no matter what the future holds.

FLORIDA D.R.O.P.

The Florida Retirement System offers you the option of participating in two FRS retirement plans: the FRS Investment Plan and the FRS Pension Plan (which includes DROP). FDR Financial can help you understand the financial products as well as the possible distribution options.

RISK FREE 403(B)

A 403(b) is a tax-deferred retirement plan that is very similar to a 401(k). That is, it allows you to set aside pre-tax dollars out of your paycheck to save for retirement. In the past, 403(b) plans restricted their participants’ investment options primarily to variable annuities. However, this restriction was removed years ago, and now most 403(b) plans let you invest in a wide variety of mutual funds and annuities.

INDEXED UNIVERSAL LIFE INSURANCE (IUL’S)

Commonly known as IUL’s, which are designed to be permanent life insurance policies. Clients can borrow against the accumulation portion of their policy and never have to pay the money back until death. Keeping the policy in force for life allows the beneficiaries to receive the death benefit, plus any balance of the policy, tax-free. Perhaps most importantly, accessing cash via policy loans within an IUL are tax free to the insured during their lifetime, and can be a tremendous addition to a retirement income plan. The index, and the way the investment portion of the policy is designed, varies from policy to policy, so our financial advisers examine each policy closely to find the right match for you.

Florida Retirement System (FRS)

 The FRS Pension Plan is a defined benefit plan, in which you are promised a benefit at retirement if you meet certain criteria. The amount of your future benefit is determined by a formula, based on your earnings, length of service, and membership class, and may be adjusted by a cost-of-living increase each July.

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