Retirement Planning

Epitome Financial is committed to helping families and small business owners save and invest for their short-term and long-term goals. Epitome Financial offers a variety of savings solutions that can help you achieve the comfortable retirement that you deserve and get a head start on college education savings.

  • Mutual Funds

    A mutual fund pools your money together with others investors' money. With as little as $50 each month, you can start an investment program. Choose the right mutual fund. Contact us to determine which mutual funds might be best for you based on your savings goals, your time horizon and your ability to handle risk. Ask us about College Funding - 529 Plans.

  • Individual Retirement Account (IRA)

    An IRA helps you build savings for retirement.
    • Traditional IRA - A way to save for retirement that gives you tax benefits. Contributions are taken pre-tax from your paycheck. While you will pay taxes on withdrawals, you'll likely be in a lower tax bracket when you retire and owe less in taxes on your withdrawals.
    • Roth IRA - Another way to save for retirement with after-tax dollars. You can wait until retirement to take out your money or withdraw some of your funds without penalty for certain situations like buying your first home or paying for certain medical expenses. Epitome Financial will help you decide which IRA is best for you.
    • Rollovers - A helpful option for your retirement savings when you leave a job. You can move your savings from your employer's retirement plan into a direct rollover IRA tax-free. Each time you change jobs or when you retire, you can move that money into this same rollover IRA without paying penalties to keep your retirement savings in one place.

    For self-employed, small business owners and stay-at-home spouses, there are other types of IRAs that might be right for you. Call us to discuss them

  • Annuities

    Annuities give you steady income for a set time or for your lifetime.

    A variable annuity is a tax-deferred retirement vehicle that allows you to choose from a selection of investments. The variable annuity then pays you a level of income in retirement that is determined by the performance of the investments you choose. Our variable annuities are offered through MetLife Investors.

    A fixed annuity is an insurance contract in which the insurance company makes fixed dollar payments to you for the term of the contract, usually for as long as you live. The insurance company guarantees both earnings and principal payment amounts.  

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