Trust Joe Habecker to work with you for a retirement plan that is tailored to suit your specific needs. We'll meet with you to talk about your goals and the best ways to meet them - our small company means personalized attention and a plan that's right for you.

Pension Planning
You're making the effort and investment to plan for your retirement - partner with the professionals at Habecker Associate to ensure that your pension is well-planned. Contact us for complete information on:

  • Qualified and non-qualified pension plans IRA's (regular and Roth)
  • Retirement maximization
  • 401K plans
  • 403B plans (tax-sheltered annuities)
  • Annuities (fixed, variable and indexed)

Annuities - The Better Alternatives to CDs
Financial planners always advise "nest eggs" or "contingency funds" to cover emergencies. At Habecker Associates, we'll help you follow that sound advice - while making sure that your "nest egg" is safe, immediately available (IRS early withdrawal penalty under age 59 1/2) and generating attractive results.

We specialize in using tax-sheltered annuities. Typically, yields are much higher than with a standard interest-bearing account or with a CD. Plus, tax advantages guarantee that you keep more of what you earn through your investment.

Here's a brief comparison of annuities with CDs and savings accounts:

CD's Fixed Annuity
Safety of Principal Superior Superior
Yield 1-2 pts above Bank saving rate 1-2 pts above CD
Income Tax Paid Yearly Deferred to withdrawal earns extra interest due to tax defferal until withdrawal
Payout Lump sum at maturity date Numerous settlement options
Early withdrawal penalty 6 month's interest gradually decreasing from 7% to 0% over 5-7 years
Death benefit received after probate probate costs incurred received within days of paperwork completion. Not part of probate as long as there is a named beneficiary.
CD's are insured by the FDIC.
The guarantees in a Fixed Annuity are subject to the claims paying ability of the issuing insurer

Contact Habecker Associates for complete information on annuities - and advice from a firm with over 30 years experience in retirement planning. Your peace of mind is our company's goal.

Even with comprehensive pension planning, are you prepared for the potential of skyrocketing nursing home costs? We offer excellent options for long-term care coverage. Click here for more information.

  
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1876 Wyncross Rd. Cincinnati, OH 45240. 800-999-1840
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