Planning Ahead for Life After Education

You love education with all your heart, and the reasons you joined the education profession still hold true. 

But, like everyone, you will retire eventually. And retirement is an exciting time. You get to spend more time with your family, pursue hobbies you love, and enjoy life without the pressures of work. 

That said, retirement won’t become a reality if you don’t plan ahead. 

Whether you’re looking for retirement planning in Polk County FL or retirement planning in Lakeland FL, at the end of the day, you need the same thing: sensible, understandable financial professionals to help you understand your options. 

That’s where we can help. 

Why Do You Need Retirement Planning?

You need retirement planning because the truth is, no one knows what life has in store. 

You could live for another 20 years after retirement. You or a loved one could get sick. You may not be able to rely on loved ones for support–or you may not want to. 

Retirement planning is about taking steps to ensure the future that you want. Great retirement planning is about making the most of your money to enjoy your retirement, take care of your family, and have some cushion, just in case life surprises you. 

Types of Retirement Planning Options

The good news is that in this day and age, there are all kinds of retirement planning options available to you. You just have to know what they are and how to take advantage of them. 

That’s where we come in. 

We offer a number of retirement planning options, including two of the most common investment accounts for retirement: IRAs and Roth IRAs. If you don’t know your IRA from your GPA, that’s okay too. 

Our experienced financial professionals are here to help you make sense of retirement, one step at a time. 


An individual retirement account, or IRA, is a tax-advantaged retirement tool used to build retirement savings. More importantly, it’s an account that allows you to build in the retirement plan that your employer has for you. 

Current estimates say that you need up to 85% of your pre-retirement income in savings before you can safely retire. Here’s the problem: the majority of Americans don’t have the flexibility to stow that much in savings. 

Between a mortgage, college tuition, family emergencies, and the cost of living your life, there are plenty of times when you just can’t save as aggressively as you’d like. And an employer’s retirement plan may not be sufficient to make up everything you need. 

A traditional IRA allows you to make tax-deductible contributions toward your retirement savings. That means that the IRS won’t view those contributions as taxable income–and your overall taxable income goes down. 

However, when you withdraw from your account during retirement, your withdrawals are taxed based on your ordinary personal income tax level. 

Basically, you can save now and reduce your taxes, all while building wealth for later in life. 

Roth IRA

The Roth IRA is a version of the traditional IRA, but it works slightly differently. 

While traditional IRAs are tax-deductible and tax-deferred (you don’t pay taxes now, but you will pay later) Roth IRAs aren’t tax deductible. 

Instead, you make contributions to a Roth IRA based on money you’ve already paid taxes on. In the meantime, your contributions can grow tax-free in the investment account, and you don’t have to worry about being taxed on your withdrawals during retirement. 

In general, Roth IRAs are recommended if you expect your income bracket to be higher in the future. Since you’re already paying taxes on your contributions, you’ll be taxed based on your current income bracket. With a regular IRA, if your tax bracket went up, you would have to pay income tax based on the higher tax bracket. 

What We Provide

We know that you have a lot on your plate. We also know that, like most people, you don’t know the intricacies of investing, saving, and taxes. 

That’s why we’re here. 

Just as you teach your students complex concepts, we teach you how to make sense of your retirement options so that you can make an educated decision about your future. 

Retirement Planning Polk County FL, Retirement Planning Lakeland FL

When it comes to retirement planning in Polk County FL or retirement planning in Lakeland FL, the truth is, you shouldn’t go anywhere else. 

The reason is simple: you need the right insurance at the right price. No more, no less. And our team is here to make sure you get it. 

We know finances, and we know how to plan for your future. More importantly, we know how important it is for you to be there for your family in every way that you can, for as long as you can. So we give you the tools to do it.

Do you have a question?

Let our knowledgeable staff guide you to the right path.