Income Replacement
& Retirement
You Build Your Business with Passion.
Let Us Help Secure Your Future
with Confidence.
Income Replacement & Retirement
You Build Your Business with Passion. Let Us Help Secure Your Future with Confidence.
Business Owners
Overview
A retirement plan is more than just personal savings; it’s a critical business tool. For a business owner, exploring various retirement plans is essential not only to secure your financial future but also to unlock significant tax advantages, attract and retain top talent with competitive benefits, and build a more valuable, scalable business. The right plan allows you to grow your nest egg efficiently, reduce your current tax burden, and ensure the business you’ve worked so hard to build also serves your long-term life goals.
Retirement Solutions
Annuities
Secure Your Employees' Retirement with Guaranteed Lifetime Income
A solid retirement plan helps you and your employees save for the future, attract and retain top talent to support business growth.
However, in today’s uncertain financial landscape, employees need more than just a 401(k) to retire with confidence. Adding an annuity option to your retirement plan provides a critical layer of protection—guaranteeing your workforce a steady stream of income they can’t outlive.
Why Offer an Annuity in Your Retirement Plan?
- Pension-like security in an era of disappearing defined benefit plans
- Protection against market downturns and longevity risk
- Competitive advantage to attract and retain top talent
- Fiduciary-safe solutions under SECURE Act 2.0 provisions
- Tax-efficient growth and flexible payout options
Beneficiary Protection
- Most annuity contracts provide a death benefit to a beneficiary if the owner dies before payments start.
- Once payments begin, any death benefit depends on the chosen annuity option.
- Fund Individual Retirement Accounts 3
- Annuities can fund retirement accounts like a Savings Incentive Match Plan (SIMPLE-IRA) or a Simplified Employee Pension Plan (SEP-IRA)
- Offers ways for you and your employees to save and adds additional features like lifetime income and death benefit protection.
With rising concerns about retirement readiness, an annuity option transforms savings into predictable income—helping employees retire on their terms while demonstrating your commitment to their long-term financial wellbeing.
IMPORTANT DISCLOSURES
Taxable withdrawals are subject to ordinary income tax and, if made prior to age 59½, may be subject to a 10% federal income tax penalty.
Guarantees are based on the claims-paying ability of the issuing company.
Annuities don’t add additional tax benefits when used to fund a qualified plan. Rather, consider annuities to fund a qualified plan for their additional features like lifetime income and death benefit protection.
Product availability varies by carrier, state, and individual eligibility. Not all products listed are available in all states or to all applicants. Product descriptions on this page are for general informational purposes only and do not constitute a solicitation or offer to sell any specific insurance or annuity product. All products are subject to underwriting approval and applicable state insurance regulations. Riders and benefits are subject to additional charges, terms, conditions, and limitations. Variable products involve investment risk, including possible loss of principal, and are sold by prospectus. FundaDream Insurance Solutions, Inc. is a licensed California insurance corporation. Consult the applicable carrier contract for full terms, conditions, and limitations. FundaDream’s charitable giving is made from general corporate revenues at the sole discretion of FundaDream leadership and does not constitute compensation to any licensed insurance professional.
The information provided is not written or intended as specific tax or legal advice. FundaDream, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.
Insurance products and services are offered through FundaDream Insurance Solutions, Inc., California License No. 0M95835