Safe-money retirement planning for Michigan.

Protect All Your Future Assets

When you are approaching retirement, it is important to make sure all your assets and future investments are safely guarded. Certified Benefit Advisors is here to help make sure your future is secure. We will show you ways to grow your investments and plan your tomorrow, today. Estate planning can help ensure your assets end up where you planned, and we will help you understand the proper steps to protect your future.

• Carrier-guaranteed financial vehicles with index-linked potential and fixed-rate options
• Monthly income strategies guaranteed by the issuing carrier
• IRAs, rollovers, and transfers
• 401(k), 403(b), and Roth conversion options

Fixed Indexed Annuities

Your principal is guaranteed by the issuing carrier, subject to its claims-paying ability, and your interest is linked to the performance of a market index such as the S&P 500. You are not invested in the market itself. Index-linked interest is limited by caps, participation rates, and spreads the carrier can change, and your worst crediting year is 0%, so market declines do not reduce your principal. Most contracts we place have no advisory or management fee; optional riders carry a charge. Surrender charges apply to early withdrawals above the penalty-free amount.

• Principal protection guaranteed by the issuing carrier
• Market-linked growth with a 0% floor
• No advisory or management fees on most contracts we place; optional riders carry a charge
• Tax-deferred accumulation

Guaranteed Lifetime Income

Turn a portion of your retirement savings into a paycheck you cannot outlive, guaranteed for life by the issuing carrier regardless of how long you live or how the market performs. Many contracts include income riders that increase your payout the longer you wait.

401(k), 403(b) & IRA Rollovers

Moving from a 401(k), 403(b), TSP, or traditional IRA into a safer vehicle is straightforward when done as a direct rollover, with no taxes or penalties at the time of the transfer; later withdrawals are taxed as ordinary income. We coordinate the paperwork with your existing custodian.

• Traditional and Roth IRA guidance
• Direct rollovers and account-to-account transfers
• Roth conversion planning

Social Security Coordination

Full retirement age is 67 for anyone born in 1960 or later. Claiming at 62 permanently reduces your benefit; waiting until 70 increases it about 8% per year. We help you think through claiming alongside your other income, so the whole plan works together.

Local Retirement Help

Prepare for your future retirement and make sure you are financially stable. We'll help you put a secure plan in place. We serve Southwest and South Central Michigan, including Battle Creek, Jackson, Kalamazoo, Grand Rapids, Lansing, Benton Harbor, St. Joseph, Coldwater, Hillsdale, Sturgis, Charlotte, South Haven, Holland, Muskegon, and 15 to 20 surrounding counties.