The TSA, or 430b, is a supplemental savings program available to educators, hospital employees, and employees of non-profits. Other employer plans include 401k, Profit Sharing, Stock Options, etc. Such employer plans allow you to save for retirement on a pre-tax basis and defer taxes on investment growth until distribution.
Each of these investment choices has advantages and disadvantages. Choosing the right investment or combination of investments for your Retirement Nest-egg is the key to your successful savings plan. The suitability of investments is based on many factors. Among these are:
Your retirement savings can take on many forms:
Annuities (Fixed, Index or Variable)
Which types of accounts may be best for you? What are the limitations and the benefits of each type? How can I be sure that I am doing the right thing for my situation? These are questions we help our clients with every day.
Whaley Financial Services™
Financial Planning for Your Life
(443) 283-3482 (local) • (443) 283-3914 (fax)