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Families retire and enjoy life



Taking care of your financial future may be the last thing on your mind. This is where ValuTeachers can assist you. We have a number of financial solutions to assist you in reaching your retirement goals, whether you're planning just for yourself or your family's future.

Retirement Plan
Retirement plan

Our Associates specialize in helping you secure your retirement dreams. We'll start by understanding what your financial goals are. We will help create a personal portfolio from the variety of strategic options we offer that uniquely aligns with those goals.

As you progress through life and your circumstances change, so will your retirement goals. We will be there each step of the way, helping you stay on the path that meets those ever-changing needs.

Life Insurance and family protection

Having life insurance can provide peace of mind that your loved ones will have some financial protection to cover these expenses or replace lost income if you were to die.

There are a few kinds of life insurance to choose from and selecting the right option for your needs can be confusing. There are Whole Life, Universal, and Term insurances as well as Fixed and Variable. Our experts can help you navigate these complex choices to ensure you select the right coverage for you and your family.

403(b) and 457(b)
403b and 457b retirement

Similar to 401(k) plans, 403(b) and 457(b) plans allow you to contribute pre-tax money from your paycheck to your 403(b) or 457(b) plan to invest in particular investment products. These contributions and their investment earnings will not be taxed until you withdraw the money, typically after retiring. Certain employers can offer their employees 403(b) and 457(b). Employers such as public educational institutions (public schools, colleges, and universities), non-profits, and churches or church-related organizations can offer a 403(b). Employers that provide 457(b) plans include state and local governments and some non-profit organizations. There are even some employers who may offer both 403(b) and 457(b) plans, and allow you to contribute to both programs.

ValuTeachers have been working with these plans since the very beginning and can be trusted to help you secure your retirement dreams!

Add IRAs to your retirement plans

People who retire today can expect to live longer than their parents and grandparents, so you need a plan to live comfortably. An Individual Retirement Account (IRA) is one option that can help you reach your retirement goals.

There are several types of IRAs available:

  • Traditional IRA. Contributions typically are tax-deductible. You pay no taxes on IRA earnings until retirement, when withdrawals are taxed as income.

  • Roth IRA. Contributions are made with after-tax funds and are not tax-deductible, but earnings and withdrawals are tax-free.

  • SIMPLE IRA. Is available to small businesses that do not have any other retirement savings plan. The SIMPLE – which stands for Savings Incentive Match Plan for Employees – IRA allows employer and employee contributions, similar to a 401(k) plan, but with simpler, less costly administration, and lower contribution limits.

not confident that they have enough money to retire
Living Benefits
Living benefits for retirement products

If you're diagnosed with a terminal illness, it's essential to make sure you and your family are prepared. Getting coverage with a severe condition can be difficult, so you'll want to make sure you're ready with accelerated death or a living benefit rider ahead of time. A living benefit rider, which allows someone to get the payout from accelerated death benefits, can offer extra peace of mind, whether or not you end up needing it, just like regular term life policies. Let's have a conversation to see if this benefit fits your retirement needs and goals.

annuity and annuities

Annuities are often purchased to complement Social Security, pension benefits, investments, and other sources of retirement income. You can turn your annuity into a stream of income that you can receive for a set length of time or the rest of your life. When you need income, you can take withdrawals in various amounts.

Annuities provide safety, long-term growth, and income. They are a way to save your money tax-deferred until you are ready to receive retirement income.

Income For Life
Income for life

An income for life or lifetime annuity is a retirement option that acts like a personal pension plan. Lifetime annuities offer income for the rest of your life, even if your money is depleted. A lifetime annuity can supplement your Social Security or pension for the entire time you are retired with no worries of running out of money.

These plans can benefit those who want the assurance and security of a steady and predictable income stream. If you die before all the funds in your account have been used up, the payment option to your beneficiaries will be determined by the choice you made when you purchased the annuity. In some cases, no payouts will be made to your dependents or other beneficiaries. Instead, you will be getting an income that you can't outlive.


An Income for Life annuity is ideal for someone who needs the most retirement income possible and does not plan to use the money invested for dependents or other beneficiaries.

Mutual Fund/Investing*
Mutual funds and investing

Mutual funds pool money from the investing public and use that money to buy other securities, usually stocks and bonds. The value of the mutual fund company depends on the performance of the securities it decides to buy. So, when you buy a unit or share of a mutual fund, you are buying the performance of its portfolio or, more precisely, a part of the portfolio's value.


Buying a mutual fund can achieve diversification cheaper and faster than buying individual securities. Large mutual funds typically own hundreds of different stocks in many various industries.

Sky is the limit when it comes to retirement planning
Social Security is not enough

We've Got This

Securing your retirement dreams may sound like a daunting task, and you may feel unsure where to begin. With the help of a ValuTeachers Associate, you can have the confidence that we'll put you on the right path to meet your needs and goals.

* The information contained herein is for informational purposes only and should not be considered investment or tax advice. For a personalized evaluation, please speak with your registered representative. ValuTeachers is not affiliated with GLP Investment Service, Asset Allocation Strategies, GLP Financial Group and GLP & Associates.



Securities offered through GLP Investment Services, LLC, Member FINRA/SIPC. Investment advisory services provided by Asset Allocation Strategies, LLC, a Registered Investment Advisor.

Asset Allocation Strategies, LLC Adviser Firm Summary: adviserinfo.sec/firm/summary/152339

Securities offered through GLP Investment Services, LLC, Farmington Hills, MI 48331, (248) 831-0291, Member FINRA/SIPC. Investment advisory services offered through Asset Allocation Strategies, LLC a Registered Investment Advisor. GLP Investment Services, LLC and Asset Allocation Strategies, LLC are affiliated firms. NOTICE: The information contained in this electronic mail message is confidential and intended only for certain recipients. If you are not an intended recipient, you are hereby notified that any disclosure, reproduction, distribution or other use of this communication and any attachments is strictly prohibited. If you have received this communication in error, please notify the sender by reply transmission and delete the message without copying or disclosing it. Disclaimer: GLP Investment Services, LLC and Asset Allocation Strategies, LLC does not accept buy, sell or cancel orders by e-mail, or provide any instructions by e-mail that would require your signature.

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