SRS Blog

401(k) Savings with Profit Sharing Use this calculator to show how a 401(k) with profit sharing plan can help you save for retirement.. 72(t) Calculator The IRS Rule 72T allows for penalty free, early withdrawals from retirement accounts. Use this calculator to determine your allowable 72T Distribution and how it can help fund your early … Read more

There’s a Hebrew proverb that says, “A good person leaves an inheritance to their children’s children…”  The implicit truth here is that wise management of affairs goes beyond concern for the current generation.  This wisdom of the ages should apply as well when high-net- worth clients are planning for death taxes, especially when the first … Read more

Some carriers like to claim that your clients don’t need Long-Term Care (LTC) protection beyond the average length of a care need.  But preparing for only the average length of a care need can leave a large gap. The Story of Averages The average length of an LTC need is typically longer for women than … Read more

During the months of December, January, and February, we typically see the bulk of MLB athletes purchase disability coverage, so we thought it fitting to share a case study of a super star baseball player. The Outfielder / Designated Hitter was in his last year of his current contract, approaching free agency, and projected to … Read more

Non-combustible tobacco products are those that do not require burning the tobacco for consumption.  Vaping, or electronic cigarettes, is a type of non-combustible tobacco that is heated at a lower temperature to create an aerosol for inhaling. Generally, vaping is rated the same as combustible tobacco; at smoker rates. There is a special program offered … Read more