Our Services in Business and Retirement Planning
Retirement confidence comes from a plan—not a product. We design a practical strategy that organizes cash flow, timing, and risk; reviews Social Security; coordinates required withdrawals with your tax professional; and keeps your plan current through regular reviews.
For business owners, we connect personal retirement goals with continuity, executive retention, buy‑sell, and succession/exit considerations.
Our Virtual Family Office (VFO) brings coordinated access to independent CPAs, estate attorneys, and other specialists—so your plan, documents, and advisors stay aligned. We serve clients across the U.S. and are nationally licensed.
Retirement Planning for Individuals and Businesses
Annuities, IRA, 401K & 403B Roll-Overs, Secure Guaranteed Retirement Accounts, Roth Conversions
Consolidate old workplace plans (401(k), 403(b), profit‑sharing) and IRAs into a retirement strategy that fits your income needs and risk comfort. We help you compare staying in‑plan vs. rolling to an IRA or an insurance‑based, guarantee‑backed solution; when appropriate, we use direct rollovers to help preserve tax deferral. Roth conversion planning is coordinated with your tax professional; conversions may result in current‑year taxable income.
IUL (Indexed Universal Life)
Indexed Universal Life pairs lifelong protection with the potential to build cash value through index‑linked credits (you’re not directly invested in the market). When designed and funded properly, you can access values via loans or withdrawals to supplement retirement income. We tailor funding and riders, monitor costs and crediting changes, and review the policy regularly—coordinating with your tax professional so the strategy stays aligned with your goals.
Schedule Your Consultation
We invite you to connect with us at G & J Financial Group, where our commitment is to safeguard your retirement ambitions. Our streamlined scheduling process ensures that you have all the necessary information before your appointment, setting the stage for a productive discussion about your financial future.
Who We Serve & How We Deliver Value
At G&J Financial Group, we work with successful individuals and business owners, typically between the ages of 50 and 75, who have accumulated $500,000 or more in investable assets. We serve clients across the United States and are nationally licensed, delivering the same high‑touch experience whether we meet virtually or in person. Our mission is to provide a highly personalized, tax-efficient, and secure retirement and legacy planning experience that protects what clients have built while creating confidence for the future.
Our strategies are designed to deliver preservation of capital, stock‑market‑like growth potential, zero risk to principal, and in most cases, zero product fees. By leveraging advanced insurance solutions such as Fixed Indexed Annuities (FIAs) and Indexed Universal Life (IUL) policies, we help clients avoid unnecessary market losses, minimize taxes, and establish guaranteed lifetime income streams—all tailored to their specific goals.
For those seeking more complex planning, we also offer access to our Virtual Family Office (VFO) network—a premium service that brings together CPAs, estate attorneys, and tax strategists to coordinate solutions for business succession, charitable giving, and legacy planning.
Clients consistently value our proactive process, attention to detail, and ability to simplify complex financial decisions. Our goal is simple: to help clients enjoy secure, tax‑efficient retirement planning with market‑like growth—all without risking the savings they’ve worked so hard to build.
NPN: 21072610
