Retirement Planning Services in Lewisville, TX
At Collins & Cate, we understand that preparing for retirement is a significant life decision that requires careful planning, thoughtful strategies, and reliable guidance. Our goal as a retirement company is to help individuals in Lewisville, TX, and the surrounding areas create a retirement plan that offers financial security, peace of mind, and the freedom to enjoy your retirement years without worry. Whether you are just beginning your retirement planning journey or are approaching the next phase of your retirement, our team is dedicated to helping you make informed decisions that align with your financial goals.
With years of expertise in retirement planning, Collins & Cate offers a range of services including annuities, traditional and Roth IRAs, life insurance products, and 401(k) rollovers. We take the time to understand your individual needs and craft customized solutions that are designed to help you retire with confidence. Let us be your trusted partner as you take the necessary steps toward securing your financial future.
Retirement Planning
Retirement planning is more than just saving money—it’s about creating a comprehensive strategy that ensures you can live the life you’ve dreamed of after leaving the workforce. At Collins & Cate, we specialize in helping individuals in Lewisville and beyond develop tailored retirement strategies that align with their personal goals and financial aspirations.
Annuities for a Secure Retirement
Annuities are one of the most reliable ways to ensure a steady stream of income during retirement. By offering guaranteed payments for either a fixed period of time or for the rest of your life, annuities provide you with peace of mind, knowing that your income will remain predictable, no matter how long you live.
We offer several types of annuities to meet the diverse needs of our clients. Fixed annuities provide a stable income stream with a guaranteed interest rate, while variable annuities offer the potential for higher returns through market-based investments (but with more risk). Immediate annuities are designed for those who need income right away and begin paying out almost immediately after purchase.
Our team will help you choose the best annuity product for your retirement, based on your specific financial goals and risk tolerance. Whether you’re looking for guaranteed income or a chance to grow your savings, we have the right solution for you.
Traditional & Roth IRAs
Individual Retirement Accounts (IRAs) are powerful tools for building wealth and preparing for retirement. At Collins & Cate, we offer both traditional and Roth IRAs to help you maximize your retirement savings while benefiting from tax advantages.
Traditional IRAs allow you to contribute pre-tax dollars, which can reduce your taxable income in the current year. Your investments grow tax-deferred, and you only pay taxes on the money when you withdraw it during retirement. This is a great option for individuals who expect to be in a lower tax bracket in retirement.
Roth IRAs, on the other hand, allow you to contribute after-tax dollars, but your earnings grow tax-free, and qualified withdrawals are also tax-free. This makes Roth IRAs particularly advantageous for those who anticipate being in a higher tax bracket during retirement or who want to minimize their tax liabilities in retirement.
Our team at Collins & Cate will help you evaluate the benefits of both types of IRAs, allowing you to choose the option that best aligns with your retirement goals and tax planning strategy.
Life Insurance for Added Security
While life insurance is commonly thought of as a way to protect your loved ones after your passing, it can also be an important tool in retirement planning. Some life insurance policies have a cash value component, which grows over time and can be accessed during retirement as an additional source of income.
At Collins & Cate, we offer a range of life insurance products that can complement your retirement plan. Whether you’re interested in term life insurance to provide coverage for a specific period or permanent life insurance that builds cash value over time, we will help you find the right policy for your needs.
Life insurance can also serve as a tax-free inheritance for your beneficiaries, helping to ensure that they are financially supported after your death. We’ll work with you to understand your goals and determine if life insurance is an essential part of your retirement strategy.
401(k) Rollovers
If you’re leaving a job or approaching retirement, one of the most important decisions you’ll face is what to do with your 401(k). A 401(k) rollover allows you to move your retirement savings from your employer-sponsored 401(k) plan into an IRA, giving you greater control over your investments and potentially reducing fees.
At Collins & Cate, we specialize in assisting individuals with 401(k) rollovers. We’ll guide you through the process of moving your funds into a traditional IRA, a Roth IRA, or another retirement account, ensuring that you minimize taxes and maintain an investment strategy that aligns with your retirement goals.
We will also help you consolidate your retirement accounts, making it easier to manage your savings and track your progress as you move closer to retirement.
Retirement Consultation
Understanding your retirement options and having a clear strategy in place is essential for ensuring that you can achieve your financial goals and enjoy a comfortable retirement. At Collins & Cate, we offer comprehensive retirement consultations to help you make informed decisions about your future.
Personalized Retirement Strategy
There is no one-size-fits-all solution when it comes to retirement planning. At Collins & Cate, we take the time to understand your unique financial situation, retirement goals, and concerns. We then work with you to create a personalized retirement strategy that aligns with your specific needs and objectives.
Our approach is designed to provide you with a clear plan for reaching your retirement goals, whether that includes securing steady income through annuities, optimizing your IRA contributions, or selecting the right life insurance coverage. Our team will help you navigate the various options available, ensuring that you’re on the right path toward a secure and fulfilling retirement.
Expert Guidance & Support
Navigating the world of retirement planning can be daunting, especially when there are so many options to consider. At Collins & Cate, we provide expert guidance and support throughout the entire process. We will help you understand your options, weigh the pros and cons of each choice, and ensure that you’re making decisions that support your long-term goals.
We don’t just provide advice—we build lasting relationships with our clients, offering ongoing support and regular reviews of your retirement plan. Life events, tax laws, and market conditions can change over time, and we’re here to ensure that your retirement strategy stays on track as your circumstances evolve.
Frequently Asked Questions
What types of retirement accounts do you offer?
How do annuities work in retirement planning?
What is a 401(k) rollover, and why is it important?
Should I choose a traditional IRA or a Roth IRA?
How do I know if I need life insurance for retirement?
At Collins & Cate, we are proud to serve Lewisville, TX, and its surrounding areas. Please refer to the map below for our service area.
Ready to Start Planning?
If you’re ready to take the next step in securing your retirement, Collins & Cate is here to help. Our team provides expert retirement planning services designed to meet your unique needs and help you achieve your financial goals. Contact us today to schedule a consultation, and let us help you build the retirement plan that’s right for you. We’re here to ensure that you retire with confidence, security, and peace of mind.
Have Questions About Our Services?
Request a Free Consultation
Retirement planning can be confusing, but with the help of Collins and Cate you can feel confident in your decision. Our retirement consultants will help map out a plan that fits your unique needs and lifestyle. Contact us today to get started!