An annuity is a unique financial vehicle designed to help people accumulate money for their retirement and/or turn a lump sum of money into a guaranteed stream of income for life.

For most, retirement is considered a goal, an aspiration, a reward for a lifetime of hard work. People "dream" of retirement or the "Golden Years" picturing a time they can do all the things they never had the chance to do. The words themselves are an important part of our lexicon, defining, for many of us, who we are and who we want to be.

Whether traveling the world, playing golf, or just relaxing and enjoying the grandkids, retirement dreams vary for everyone. The last thing you want to worry about during this time is outliving your income. How you will pay for the retirement you want is a critical concern. That's why proper retirement income is essential for your retirement dreams to become a reality.

Will you have enough? What will retirement look like for you? What will you need in retirement? What are the threats to your savings? What can you do? Download our financial goals checklist

Bonnie L. Yormack works with both employers and employees in choosing a retirement plan. Bonnie is well versed in IRAs, including Traditional, Rollover, Roth, SEP and individual 401K's.

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A College 529 Plan is an education savings plan operated by a state or educational institution designed to help families set aside funds for future college costs. As long as the plan satisfies a few basic requirements, the federal tax law provides special tax benefits to you, the plan participant (Section 529 of the Internal Revenue Code).

Every state now has at least one 529 plan available. It's up to each state to decide whether it will offer a 529 plan (or possibly more than one), and what it will look like. Contact us now to start your college 529 savings plan for your loved one.