Retirement Planning - OnTrack Financial Group

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Retirement Planning
For many Americans, retirement planning is a blind leap of faith. It is said that over half of retirees are concerned they will run out of money before they run out of life. After working so hard for so long, you shouldn’t have to worry about where your income is coming from in retirement.

We believe that every retiree needs a plan for creating and sustaining income throughout retirement. Retirement planning isn’t just for the wealthy.

We can help you design a retirement income strategy that incorporates opportunities for long-term growth potential, as well as the option for tax favored income throughout your retirement.
Once we have an understanding of your circumstances, we can design a custom plan that best meets your financial objectives.

Pre-retirement Accumulation Phase
For individuals typically ages 40-62: We specialize in maximizing asset accumulation while avoiding market risk and excessive taxation. All the while, strategically positioning assets for favorable tax treatment during the distribution phase of retirement

Retirement Distribution Phase
For individuals typically ages 62-85: We specialize in maximizing asset preservation and distribution while avoiding market risk and excessive taxation.

High Net Worth Individuals
Our network of advanced planning professionals cater to the specific challenges faced by high net worth individuals in the areas of asset protection, tax favored income and asset distributions.

Contact Us:

ONTRACK FINANCIAL GROUP
Office meetings can be scheduled upon request at:

9041 Executive Park Drive, Suite 250, Knoxville, TN 37923

Toll Free: 866-891-5651

Disclaimer:
ONTRACK FINANCIAL GROUP is a TN licensed life insurance agency. William Czerkies Jr, is the founder and CEO, and He is a licensed insurance agent for life, accident & health, and legal plans in Tennessee, and life insurance licenses in Florida, Georgia, Michigan, North Carolina, Tennessee and has been an Independent Associate for Legal Shield from 1999 to the present. We do not give legal or tax advice. Nothing on this website is to be construed as a recommendation. Any references to tax free, tax deferred, minimizing taxes, or tax options, are purely for discussion and educational purposes. Individual circumstances undoubtedly vary and how any particular insurance product or insurance strategy affect individual circumstances is something that each person should discuss with a qualified CPA or attorney that is intimately familiar with the product, service or strategy as it relates to the individual’s particular circumstances. Life insurance agents are required to have an understanding as to how each product could be or would be taxed in a general sense. There are certain circumstances that would allow for life insurance distributions to be treated as tax deferred or tax free. How it will apply a particular set of financial circumstances is for the individual to understand and seek tax advice through a CPA. Not all CPA’s or attorneys are familiar with the tax consequences or benefits of various insurance products. We have relationships with third party independent CPA’s and attorneys that we can refer clients to upon request for tax and legal advice as it relates to insurance products that we offer.

Disclaimer

ONTRACK FINACIAL GROUP is a TN licensed life insurance agency. William Czerkies Jr, is the founder and CEO, and He is a licensed insurance agent for life, accident & health, and legal plans in Tennessee, and life insurance licenses in Florida, Georgia, Michigan, North Carolina, Tennessee and has been an Independent Associate for Legal Shield from 1999 to the present. We do not give legal or tax advice. Nothing on this website is to be construed as a recommendation. Any references to tax free, tax deferred, minimizing taxes, or tax options, are purely for discussion and educational purposes. Individual circumstances undoubtedly vary and how any particular insurance product or insurance strategy affect individual circumstances is something that each person should discuss with a qualified CPA or attorney that is intimately familiar with the product, service or strategy as it relates to the individual’s particular circumstances. Life insurance agents are required to have an understanding as to how each product could be or would be taxed in a general sense. There are certain circumstances that would allow for life insurance distributions to be treated as tax deferred or tax free. How it will apply a particular set of financial circumstances is for the individual to understand and seek tax advice through a CPA. Not all CPA’s or attorneys are familiar with the tax consequences or benefits of various insurance products. We have relationships with third party independent CPA’s and attorneys that we can refer clients to upon request for tax and legal advice as it relates to insurance products that we offer.

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