Services at no cost to you:

  • Projection of Federal and State income tax
  • (by balancing taxes you may start or increase a 403(b), TSA program and not affect take-home pay)
  • Annual Paycheck and Tax Reviews
  • A yearly Educator's Tax Guide
  • STRS or PERS retirement projections
  • Planning for early retirement
  • Ongoing professional services now and after retirement

Through our families of companies we offer the following state of the art TSA's/403(b) products:

  • Tax Qualified Annuities (TSA's/403(b)) that pays current interest rate and have a minimum guarantee
  • Single Premium Qualified Annuities, Non-Qualified Annuities, IRA's, and Roth IRA's
  • Precise Income Protection Plan: immediate monthly income upon death of insured
  • Level Term Protection: Level Term Plan
  • $15, $20, $25 and $30 with the option to purchase our Premium Refund Rider

Other Services/ Products:

  • Estate Planning
  • Health, Dental and Vision Insurance
  • Life Insurance Planning (Spouse/Family)
  • Educational IRA's, SEP IRA's (Self-Employed)
  • Roth IRA's
  • Mutual Funds, Variable Annuities Qualified and Non-Qualified (Javier D. Perez Registered Rep.)
  • Non-Qualified Annuities (Tax Deferred Accumulation)
  • Medicare Supplement Plans
  • Long Term Care Plans
  • Disability Income Protection