Insurance	Financial Planning
Life Insurance Disability Income Insurance  Long Term Care Insurance	Financial Plans Portfolio Reviews

College Funding
529 Plans Prepaid Tuition Plans   Coverdell Education Savings Accounts

Individual Retirement Plans Individuals have a number of investment choices for their retirement.  We work with you to recommend the best options such as: Company retirement plans (e.g., 401(k) and 403(b) plans) that allow     pre-tax dollars to grow tax deferred.  Proceeds are taxed as ordinary income. Traditional Individuals Retirement Accounts (IRAs) that allow after-     tax dollars to grow tax deferred.  Proceeds are taxed as ordinary income. Roth IRAs where after-tax dollars grow tax deferred and proceeds are tax free.    Small Business Retirement Plans Simplified Employee Pensions allow taxable businesses and tax- exempt organizations to contribute toward employee retirement with funds growing tax deferred. Simple IRAs allow employees to contribute after-tax dollars and employers to match those contributions for employees’ retirement  with funds growing tax deferred.

401(k)s allow the employer and the employee to contribute pre-tax dollars and employers to match those contributions for employees’ retirement.  Funds grow tax deferred. Long Term Care Long Term care Options and how to pay for them are very important as we never know what lies ahead.  At Tidewater Financial Group, we work with you to determine the best options to help you remain independent while maintaining your standard of living.  Options we consider include: Reverse Mortgages that give you access to the equity in your home for any purpose. Annuities that provide you with a monthly income so you don’t outlive your assets.  Long Term Care Insurance that provides funds in case you need in-     home care or you need to move to an assisted living facility or a nursing home.  Education Funding Education Funding Options allow you to help with education costs for your children and grandchildren.  Options include Pre-paid tuition plans, Education IRAs, and 529 plans.