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Retirement Planning

Provide for your employees long after their careers come to a close.

Comprehensive Benefits

The right retirement planning partner can help you offer insurance and retirement benefits that make a difference for both your employees and your business.1 Comprehensive retirement planning helps employees navigate concerns over ever-changing tax laws, pension plan uncertainties, and Social Security shortfalls. Mitigating these concerns by providing for your employees’ retirement with the assistance of a retirement financial planner can create a dedicated workforce.

Annuities

Support your employees’ financial plan for retirement with additional offerings, including annuities. Facilitating this type of individual planning strategy is easy for small business owners.

Disability Income Insurance

If an employee is too ill or injured to work, disability income insurance can help replace a portion of their earnings. Some policies may also help protect an employee’s ability to plan and save for retirement.

Life Insurance

The right life insurance plan can supplement2 your employees’ retirement planning strategy. This can help support their financial goals and big dreams in retirement.

Long-Term Care Insurance

The costs of long-term later in life can be a financial burden on individuals and their families. Long-term care insurance is part of a complete financial strategy for retirement.

Retirement Plans

A financial professional at Vision Financial Group can help you attract and reward talented employees with a wide range of group retirement products and services tailored to your business.

1. There may be implications under the Employment Retirement Income Security Act (ERISA) depending on how certain types of insurance policies are made available to employees and whether such an arrangement constitutes an “employee benefit plan” under ERISA. Employers should consult their own tax and legal advisors for further information on potential ERISA implications.

2. Distributions under the policy (including cash dividends and partial/full surrenders) are not subject to taxation up to the amount paid into the policy (the cost basis). If the policy is a Modified Endowment Contract, policy loans and/or distributions are taxable to the extent of gain and are subject to a 10% tax penalty. Access to cash values through borrowing or partial surrenders can reduce the policy’s cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.

Annuities provide no additional tax advantages when used to fund a qualified plan.

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There’s more than meets the eye at Vision Financial Group. Here, you’ll find advisors who know what matters most to you, with the experience and resources necessary for you to achieve it.

Securities, investment advisory and financial planning services offered through qualified Registered Representatives of MML Investors Services, LLC., Member SIPC. 300 Corporate Pkwy Suite 216N Amherst, NY 14226, Phone: 716852-1321. Vision Financial Group is not a subsidiary or affiliate of MML Investors Services, LLC or its affiliated companies.

Local firms are sales offices of Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and are not subsidiaries of MassMutual or its affiliated companies.

Financial Services Representatives are independent contractors and are not employees of MassMutual, its subsidiaries, or of General Agents with whom they contract.

Check the background of your financial professional on FINRA’s Broker Check.

CRN202503-2616531