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We have access to the top performing
mutual funds on the market. Our
relationship with Tower Square Securities
(a member of the Citigroup), will help you
reach your investment goals.

Stephen Vahey is the director of Investments and Financial Planning .
You can contact Stephen directly with any of your investment and financial planning questions.
S_Vahey@insuranceplus.net

Some of the programs you may consider include:

Roth-IRA

Allows contributions of up to $2,00/year to accumulate funds for retirement.
Your contributions are not tax deductible. Your money grows "Tax-Free"
and you get qualified distributions from your plan "Tax-Free".

Traditional IRA

Allows you to put away up to $2,000 /year for retirement.
Your contributions may be "Tax-Deductible". Your money grows "Tax-Free"
and when you retire, qualified distributions are only taxed as ordinary income.

Educational IRA

You can contribute up to $500/year for any child, depending on your gross income.
The contributions can be in one account or multiple accounts. Your money grows "Tax Free".
Withdraws for the child's education, if qualified, are "Tax-Free". Contributions are not "Tax Deductible.

SEP (Simplified Employee Pensions)

This is a low cost easy to manage retirement plan for employers to provide employees.
This program is great for the self employed. Qualified contributions are not taxed.
Contributions can be as high as 15% of income or $24,000 per year.
Contributions can be decided on from year to year.

For a brochure or more information on investment
and retirement planning please contact Stephen Vahey.

S_Vahey@insuranceplus.net