Planning for Retirement?
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Helping You Get More Out of Your Hard-Earned Retirement
Annuity and Retirement Plan
Recent advancements in medical technology have created the possibility for a longer human life span. However, research shows that 60% of retired families in the U.S. have retirement savings of less than $50,000, and out of that 60%, a majority of them don't even have a savings plan. In a high inflation and low interest rate environment like ours, it's important to start thinking about retirement plans now and to start planning your retirement!
Our Products
IRA (Individual Retirement Account) is a popular financial investment tool that helps save money for retirement with many tax advantages. KCAL provides a variety of annuity products and retirement saving plans to best fit your needs and current financial situation.
Traditional IRA｜Roth IRA｜Non-Qualified Plan｜Simple IRA｜SEP IRA｜Rollover 401K
Popular Savings Plans — Traditional IRA
| Highlight 1 | By contributing to a Traditional IRA, you can enjoy tax-deferred growth while saving for retirement. For 2025, the contribution limit is $7,000 for those under 50, and $8,000 for those 50 and older. |
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| Highlight 2 | Open an account with as little as $2,000. Enjoy immediate cash bonuses that go directly into your account to start earning compound interest. |
| Highlight 3 | Principal Protection + Investment: Choose from various growth options including fixed rates, stock indices, or a combination. Your principal is protected during market downturns while offering higher returns when the market rises. |
| Highlight 4 | If you use government-subsidized health insurance, a Traditional IRA can lower your modified adjusted gross income (MAGI), potentially qualifying you for higher premium subsidies and better benefits. |
Why Open an IRA with Us?
KCAL Insurance Agency offers annuity products and retirement saving plans from A-rated insurance companies. Enjoy the advantages of low initial investment, zero account fees, high interest rates and guaranteed investment when investing through an insurance company—some things you can't get when investing through a bank or investment company!
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