Retirement & Investment Planning

Retirement & Investment Planning in Indiana

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Local Indy guidance—statewide support for the financial future you want

Whether you’re just getting serious about saving, maximizing your peak earning years, or preparing to retire in the next few years, AOG Group | Allstate makes planning straightforward. We help you understand your options, optimize what you already have, and design a plan that balances growth, income, and protection—without the jargon.

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Why AOG Group | Allstate

• Local expertise, statewide reach: From Indianapolis to Carmel, Fishers, Zionsville, Noblesville, Westfield, Greenwood, and across Indiana.
• Clarity over complexity: We translate rules, fees, and timelines into plain English.
• Coordinated protection: We align savings and income plans with the right insurance so one setback doesn’t derail your goals.
• Proactive reviews: Annual check-ins keep your plan in step with life changes and markets.

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What we help you plan for

• Retirement income you won’t outlive (Social Security timing, withdrawal strategy, annuity options)
• Tax-smart saving (Traditional vs. Roth strategies; contribution priorities)
• 401(k)/403(b)/TSP rollovers (when changing jobs or retiring—done correctly to avoid taxes/penalties)
• College & legacy goals (beneficiaries, estate basics, charitable intent)
• Risk management (life, disability, long-term care/linked-benefit options, umbrella liability)

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Accounts & products we can help you explore

• IRAs (Traditional & Roth): Contribution strategies, catch-up rules, and rollover coordination.
• Employer plan rollovers: Direct rollovers from 401(k)/403(b)/TSP to help consolidate and simplify.
• Annuities (fixed, fixed indexed, immediate): Options for guaranteed income streams; guarantees are backed by the issuing insurer’s claims-paying ability.
• Cash-value life insurance: Protection first, with potential cash value for long-term planning (suitability reviewed carefully).
• 529 college savings & other goal-based accounts: Structure and beneficiary coordination (availability varies).

Certain investment and advisory services may be provided through or in coordination with licensed third-party professionals. We’ll help you decide what fits—and make introductions when appropriate.

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How our process works

1. Listen & learn (Discovery): Goals, timeline, risk comfort, accounts, income sources, debts, and must-haves.
2. Map & measure (Plan Design): Organize accounts, set target savings, and draft an income/withdrawal path.
3. Protect & implement: Align insurance and investment vehicles; set beneficiaries and emergency buffers.
4. Review & refine: Annual check-ups (or life-event reviews) to adjust contributions, allocations, and coverage.

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Practical strategies we’ll discuss

• Roth vs. Traditional: How today’s tax bracket vs. expected future bracket shapes contributions.
• Asset location: Which accounts hold which types of investments for potential tax efficiency.
• Sequence-of-returns risk: Why diversifying income sources (including annuity options) can help in early retirement.
• Social Security timing: Coordinating benefits with portfolio withdrawals and spousal strategies.
• Beneficiaries & contingents: Keeping designations current to avoid probate complications.

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Who we serve

• Early career (20s–30s): Build habits, emergency fund, Roth strategies, foundational protection.
• Mid-career (40s–50s): Maximize tax-advantaged saving, consolidate old plans, stress-test the target number.
• Pre-retirees (5–10 years out): Income planning, risk reduction, healthcare/LTC considerations.
• Retirees: Sustainable withdrawals, RMDs, tax management, legacy planning.

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FAQs

What’s the difference between Traditional and Roth IRAs?
Traditional contributions may be tax-deductible now with taxable withdrawals later; Roth uses after-tax dollars with potential tax-free qualified withdrawals. The “best” choice depends on your current vs. future tax picture.

How do rollovers work?
We typically recommend a direct trustee-to-trustee rollover to avoid withholding and potential taxes. We’ll coordinate paperwork and timing with your former plan.

Do annuities make sense for me?
They can be useful for guaranteed income or longevity risk. Types, fees, features, and surrender schedules vary—suitability is key, and guarantees depend on the issuing insurer.

What if the market drops near retirement?
We’ll explore bucketed income, diversified allocation, and possibly annuity options to help mitigate sequence-of-returns risk.

Do you provide tax or legal advice?
We’ll coordinate with your CPA/attorney and can introduce professionals. For decisions with tax or legal implications, rely on those licensed experts.

How often should we review the plan?
At least annually—or after major life events (job change, new home, inheritance, health changes).

Ready to simplify your retirement plan?

Let’s organize your accounts, tighten your strategy, and build a clear path to (and through) retirement. Request a friendly planning review from AOG Group | Allstate in Indianapolis—serving clients across Indiana.

Disclosures: Insurance and annuity products are issued by insurance carriers; guarantees are subject to the claims-paying ability of the issuing company. This material is for educational purposes only and is not investment, tax, or legal advice. Investment and advisory services, where applicable, are provided by properly licensed professionals. Product availability, features, and eligibility vary by state and carrier. Terms, conditions, fees, and exclusions apply.