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Retirement Solutions and Services

What do you hope to accomplish in your latter years? Whatever it is, obtaining financial security in retirement requires preparation and the appropriate solutions. 

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There are several tax-free ways to save for retirement such as bonds or Roth IRAs, which have certain risks and limitations. They may either have a high risk or low returns, and some have contribution limits. One tax-free product that allows access to your cash value is an index universal life (IUL) insurance policy. Eligible organizations can take advantage of either a 409A Nonqualified Deferred Compensation Plan or a 457 plan to provide key employees with benefits beyond those allowed through traditional retirement plans. Non-profit entities are also allowed to provide a Non-Qualified Deferred Compensation Plan but these plans must comply with Code Section 457.

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Build up your retirement savings free from governmental contribution restrictions. Whether you are just starting to plan for retirement or are nearing retirement, we can assist you with accumulating wealth and receiving distributions in retirement by setting up a personalized pension so that you will never run out of money. Today, we’re living an average of 10 years longer than we did in 1950. You may need retirement income that can last into your 80s, 90s, maybe even 100s. Annuities provide three things

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College Funding and Legacy Planning

College costs are rising than inflation, costing anywhere from $52,000 to $130,000 per year! There are many ways we can help you invest to fund a college education. This is also why many think they cannot leave a legacy to their children. We can help you plan for both life events. Life insurance could be somewhat helpful when it becomes difficult to appropriately distribute wealth to future generations and when it is impossible to keep the family business distinct from your other assets. Such policies could let you have more liquid assets, give you more control over how your assets are distributed, and give your beneficiaries an insured sum in case they need money right now.

Life Insurance

Work with 7 Streams Financial to fully employ the power of a retirement plan and maximize benefits.

Group Benefits

7 Streams Financial specializes in offering benefits to small businesses. 

Term insurance is beneficial for those who require coverage for set durations, such as young families that require significant levels of protection for a number of years. For a specific duration, premiums are reduced and guaranteed to stay the same. Benefits are only paid if a death occurs within the covered period. In most circumstances, insurance terminates if premium payments are stopped. Term insurance typically has no cash value.

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Whole life insurance offers lifetime protection at a guaranteed premium rate that won't ever go up, no matter your age or state of health. The ability to borrow against the cash value of your whole life insurance policy at any moment during your lifetime is one advantage.

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Employer Group Plans

Voluntary Plans, includes life, disability, dental and vision. Employers can provide a more robust workplace benefits package to employees without affecting their bottom line. Employees pay up to 100% for voluntary plans, but get the benefit of a group rate through their employer. We encourage employers to offer to offer voluntary benefits plans as a package for their employees. Strong benefit programs can help you recruit and keep great talent. Reduce disability durations by 10% to increase productivity. Boost the safety of your employees with voluntary Worksite Benefits

Short-Term Disability

If you find yourself unable to work, short-term disability insurance will provide cash to help ease the financial stress of a covered illness or injury. This insurance pays benefits (i.e., a monthly amount that is a percentage of your gross income) for a period of time while you are disabled. 

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7 Stream Financial Insights.

These videos may help increase your knowledge around some of the products we offer. 

Boomer: Thoughts on Chris Borland's early retirement | Sports Illustrated | Sports Illustrated
01:16
Sports Illustrated

Boomer: Thoughts on Chris Borland's early retirement | Sports Illustrated | Sports Illustrated

Sports Illustrated's Boomer Esiason discusses the retirement of San Francisco 49ers linebacker Chris Borland and how that will affect the opinion of the NFL and a football career. Subscribe to ►► http://po.st/SubscribeSI Follow the latest NFL news and highlights, with updates on your favorite team and players. Want to know what’s up with Russell Wilson, Cam Newton, Tom Brady and more? We’ve got you covered: http://po.st/PlaylistSI-NFL Can the Cleveland Cavaliers repeat? Will the Golden State Warriors make history again? Keep up with all the important NBA updates, including news on LeBron James, Kevin Durant, Steph Curry and more: http://po.st/PlaylistSI-NBA From Bryce Harper and Mike Trout to Clayton Kershaw and Madison Bumgarner, Sports Illustrated brings you the smartest commentary and inside stories on the latest MLB news: http://po.st/PlaylistSI-MLB Check out the most recent clips and highlights from episodes of SI Now, Sports Illustrated’s daily talk show. From interviews with the biggest newsmakers to discussions with our award winning writers and editors, SI Now is your spot for all things football, basketball, baseball and everywhere else around the world of sports: http://po.st/PlaylistSI-Now The best of SI’s award-winning video storytelling. From household names to the lesser known, SI Films’ features and series explore the most powerful stories in sports: http://po.st/PlaylistSI-Films CONNECT WITH Website: http://www.si.com Facebook: http://po.st/FacebookSI Twitter: http://po.st/TwitterSI Google+: http://po.st/GoogleSI Instagram: http://po.st/InstagramSI Magazine: http://po.st/MagazineSI ABOUT SPORTS ILLUSTRATED Sports Illustrated offers sports fans trusted, authentic, agenda-free reporting and storytelling featuring sports news, scores, photos, columns and expert analysis from the latest in today’s world of sports including NFL, NBA, NHL, MLB, NASCAR, college basketball, college football, golf, soccer, tennis, and fantasy. Boomer: Thoughts on Chris Borland's early retirement | Sports Illustrated https://www.youtube.com/user/SportsIllustrated Subscribe to ►► http://po.st/SubscribeSI Follow the latest NFL news and highlights, with updates on your favorite team and players. Want to know what’s up with Russell Wilson, Cam Newton, Tom Brady and more? We’ve got you covered: http://po.st/PlaylistSI-NFL Can the Cleveland Cavaliers repeat? Will the Golden State Warriors make history again? Keep up with all the important NBA updates, including news on LeBron James, Kevin Durant, Steph Curry and more: http://po.st/PlaylistSI-NBA From Bryce Harper and Mike Trout to Clayton Kershaw and Madison Bumgarner, Sports Illustrated brings you the smartest commentary and inside stories on the latest MLB news: http://po.st/PlaylistSI-MLB Check out the most recent clips and highlights from episodes of SI Now, Sports Illustrated’s daily talk show. From interviews with the biggest newsmakers to discussions with our award winning writers and editors, SI Now is your spot for all things football, basketball, baseball and everywhere else around the world of sports: http://po.st/PlaylistSI-Now The best of SI’s award-winning video storytelling. From household names to the lesser known, SI Films’ features and series explore the most powerful stories in sports: http://po.st/PlaylistSI-Films CONNECT WITH Website: http://www.si.com Facebook: http://po.st/FacebookSI Twitter: http://po.st/TwitterSI Google+: http://po.st/GoogleSI Instagram: http://po.st/InstagramSI Magazine: http://po.st/MagazineSI ABOUT SPORTS ILLUSTRATED Sports Illustrated offers sports fans trusted, authentic, agenda-free reporting and storytelling featuring sports news, scores, photos, columns and expert analysis from the latest in today’s world of sports including NFL, NBA, NHL, MLB, NASCAR, college basketball, college football, golf, soccer, tennis, and fantasy. Boomer: Thoughts on Chris Borland's early retirement | Sports Illustrated | Sports Illustrated https://www.youtube.com/user/SportsIllustrated
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