Retirement Planning

Retirement has a way of sneaking up on you. A little planning, however, can help you prepare for the next phase of your life so that you can make those lifestyle changes more comfortably. Southerland & Associates can provide you with a plan that matches your goals and needs so you can have the retirement you’ve always dreamed of.

Retirement Needs Analysis (401(k), 457(b), 401(a), and Simply K*)
Does your retirement plan meet the needs of you or your employees? Take another look — you might be surprised! Changes in retirement plan laws have slashed the benefits provided by qualified plans. We can perform a detailed needs analysis to make sure those retirement and Social Security benefits continue to meet your needs. We’ll discuss the retirement income goals you’ve set and the best options for getting you there.

Workplace Retirement Accounts
Offering workplace retirement accounts add incentives to attract top talent to your business and reward your valued staff. Choose from the ever-popular 401(k) or go with a SEP plan,Profit-Sharing plan or Simply IRA plan. We’ll go over the various retirement savings options with you — including contribution limits, rollovers, early withdrawal penalties and any other questions you might have – to help you select the best plan for your company’s needs.

Individual Retirement Accounts (IRAs)
Start your smart savings journey with an individual retirement account, or IRA. A traditional IRA allows individuals to save money for retirement while enjoying certain tax advantages in the process.

Estate and Will/Trust Planning
Estate: Have your planned the transfer of your assets so that as much as possible goes to your intended beneficiaries instead of the federal and tax authorities? We assist with the estate planning process to keep those assets as intact and accessible as possible.

Will/Trust
If you die, who gets your property? Who will raise your children? If you don’t leave formal instructions behind in the form of a will, you forfeit the ability to make those choices and the state then decides. Having a will or creating a trust can make a critical difference in your loved ones’ future happiness. Let us help you with your will or trust planning needs – if you make no other preparations for the inevitable, do this and do it now!

Financial Services
Southerland & Associates goes beyond the standard range of insurance products to help you with all aspects of your financial well being. Take advantage of our experience and expertise in these areas:
Annuities – Discover how these fixed or variable retirement vehicles can work with your life insurance provider to guarantee future income.
Banking Services – We offer personal banking services custom-tailored to meet your needs, including checking and savings accounts, flex-term CDs and more.
CD Alternatives – Looking for other options? We’ll be happy to advise you.