Making a once a year contribution into your IRA or 401K is not enough to plan for retirement, and ARM wants to help secure your future

We offer powerful strategies that can not only secure your retirement, but will also greatly benefit those that you love.

Retirement Planning Services

Most people focus only on the accumulation of money during their working years, and find themselves in a bit of a conundrum in retirement. They have a pot of money, but they have no clue as to how to take it out. Often times, the majority of the money is in IRA’s, 401k’s or some other qualified account. Because they don't want to pay taxes on the money, they continue to leave it in those accounts, even during retirement years, until they have to take it out in the form of required minimum distributions at age 70 1/2.

There are key income planning strategies that can change the entire look of your retirement, that give you the freedom to withdraw monies, while having the peace of mind that you will not outlive your money. These strategies can include a plan to leave the remainder of the monies to those that you love.

There are guaranteed vehicles that will help you accomplish this. Not having to worry about losing money in the market will allow you to enjoy your retirement that much more. It’s almost like you can predict the future when your retirement planning is done the right way.

ARM nor it’s agents provide tax and legal counsel. Please seek counsel from a qualified CPA and attorney.

Life Insurance

Life insurance can be one of the most powerful retirement planning tools that you have. It is crucial that you take the time to explore how life insurance can benefit you. think of life insurance as a tax structure, and there are significant tax benefits that can be utilized. Life insurance can be custom built to maximize tax free income, with monies that have had tax free growth, and last when your done with the money, what ever is left will go tax free to your beneficiaries.

There are many different types of life insurance, and there are many reasons that people need life insurance. as a general rule of thumb, you need 5 to 7 times your income. Often times term insurance can meet that simple need of protecting your family of an unexpected death. Term last for a specific period, 10, 20, or 30 years for example. Once that period has lapsed, so does the policy. It has no cash value. Term can be used to fund an individuals needs, and it can also be used in the business world to fund a “Key man” policy on a valuable employee or officer of a company. Term insurance can also be used to fund a buy sell agreement in a companies succession planning.

ARM nor it’s agents provide tax and legal counsel. Please seek counsel from a qualified CPA and attorney.

IRA Legacy Planning

IRA’s and other pretax qualified accounts usually make up a large percentage of what a person has accumulated for retirement. However, IRA’s and other pretax qualified accounts can place a significant tax burden on those that receive them as an inheritance. Simply put, qualified accounts(Roth accounts excluded) are not a good way to pass monies on after you die.

We can show you some advanced planning strategies that will benefit you and your beneficiaries significantly more than your current qualified plans. The amount of money that one of our customized plans pays out during your lifetime and what is passed on to your beneficiaries is significantly higher that your qualified plan, and it’s done with less risk.
Knowing what all of your options are is important. You have to have all of the information so that you can make informed decisions about the money you have worked hard to accumulate and save.

ARM nor it’s agents provide tax and legal counsel. Please seek counsel from a qualified CPA and attorney.

Asset Protection

The stock market can be volatile, history proves that. Volatile markets and retirement don’t mix well. You should consider putting a portion of your assets into guaranteed income products. It is imperative that you hedge against a worst-case scenario in the markets. One bad year could jeopardize everything you have worked for.

Certain annuities can provide the guarantees that you need and can provide a good lifetime income that cannot be outlived. There is not a one size fits all, with your retirement planning needs, or the solutions you choose. Stock brokers pick stocks, and safe money advisors assist with solutions that are safe.

Diversifying can be the difference between a good retirement or a stress filled retirement. Being educated is very important.


A large percentage of people heading into retirement do not have pensions to look forward to. Few and fewer companies utilize pension plans for their employees. Also, people are not spending 30 years with the same employer.

It is up to you to create your own “pension” type of account and annuities can be a valuable tool in which to accomplish this. There are certain annuities that provide the necessary guarantees as well as options to provide a lifetime income that you cannot outlive.

So, what is an annuity? Annuity is a contract between you and the insurance company offering the annuity. A fixed annuity to an insurance company, is what a cd is to a bank. Again, it is a contract. An annuity is a tool that helps meet certain financial needs but is not suited for everyone. The appropriateness of an annuity depends on your overall financial picture as well as goals and objectives.

Simply put, an annuity can take the guesswork out of your future income planning.