401(k) and 403(b) Plans


Once upon a time, most American adults were employed, and worked many years for the same company. In the past three decades, so many people are either self-employed or work only a few years before moving to the next company, that the traditional retirement pension was too cumbersome to be effective.

A 401(k) is a retirement savings account, sometimes fed by an employer, but in most cases, the primary contributor is worker/owner of the account. The contributor may begin withdrawing funds at the age of 59 ½ without incurring a tax penalty. Then they pay taxes at their current rate on everything that is withdrawn. Do you think taxes are going up, down, or staying the same??


The 403(b) is similar to the 401(k) plan, but is specifically for self-employed ministers, some hospital service organizations, public education organizations, and some non-profit employers (with 501(c)(3) organization).

A long term care insurance policy can only be cancelled for nonpayment, and it is guaranteed renewable for life.


Are you ready to take the next step and speak with a financial professional?

For decades insurance has been a necessary evil – a piece of financial protection that wise individuals won’t live without. And while it’s always been considered part of “financial planning”, most of the planning relates to the individual becoming disabled or meeting an untimely death and making arrangements for the family’s financial security if the unthinkable occurs.

Now families, individuals and business owners can add insurance products to their active financial planning tool kits –to improve their lifestyles, to increase their own net worth, and to enjoy life and prosperity even while they plan for retirement.

Learn more about the Circle of Wealth and the positive impact insurance products can have right now — not only when the unthinkable happens.

Discover a new way to look at saving.


Guide Your Business. Protect Your Key People. Learn and Implement The Financial Strategies Of The Wealthy.

InsurAtlanta will help you learn more about Group Health Insurance, Business Continuation Insurance, and 401(k) and 403(b) Plans.

Discover A New Way To Look At Saving

    A successful retirement can happen sooner than you think

    InsurAtlanta, Inc., is an Atlanta-based agency advising clients on purchasing health, life, and disability insurance coverage, long-term care coverage, as well as customized plans for their financial future. InsurAtlanta brings more than two decades of extensive experience in long-term insurance and retirement planning for individuals, professionals, small business owners and families.

    InsurAtlanta's Howard L. Silvermintz is both a Chartered Life Underwriter® (CLU), offering expertise on risk management to clients on topics like financial planning, insurance law, estate planning, and business planning; and a Chartered Financial Consultant® (ChFC), focusing on financial planning disciplines, including insurance, income taxation, retirement planning, investments and estate planning.