Who We Serve

Individuals

Reierson Retirement & Investment Services prides itself on serving the new and changing financial needs of our current clients along with our prospective new clients. Our representatives will take the time to sit down, listen and prepare a financial plan to help you stay on track towards your future goals! Our goal is to work from the client’s side of the table.

Our representatives understand busy lives and offer flexible meetings/appointments via Telephone, Web Meetings or in-person at your home, our office, libraries, or restaurants.

Please contact our office to discuss any of the below items or with any questions you may have!

•  Budgeting and Cash Flow Analysis
  Struggling to make ends meet? Would a budget guide you towards financial freedom?
•  Individual Retirement Accounts (IRA’s)
  Would you like to setup your own retirement plan?
•  Non-Qualified/Individual Accounts
  Would you like to setup your own investment?
•  Life Insurance
  Are you needing coverage for the loved ones in your life?
•  Education Planning
  Worried about funding your child’s education?
•  Retirement Income Projection Analysis
  Are you on track to be fully funded for the retirement you envision?
•  Long-Term Care Insurance
  Would you like coverage for care and to protect your personal assets?

Visit our Resources page for more information.

Retirement Planning

Knowing if you’re putting away enough to retire and how long it will last is a daunting task.

Our office can assist by using our Retirement Income Analysis Program which enables our advisors to project your financial need at retirement and how they align with your current contributions and investment allocations. Our advisors can help confirm your goals and assist in reaching additional goals as they arise.

Budgeting

Are you not able to get ahead? Are you living paycheck to paycheck? Or are you wondering where your money is going? Our office can assist with setting up a budget to put you on track to financial success. We have the tools and steps to help you succeed.

The basic steps to setup a budget:

• Gather your financial statements – bank accounts, monthly bills, investments, etc.
• List your monthly sources of income
• List your monthly expenses
• Determine those which are fixed expenses (happen every month) – rent, cable, internet, credit card payments, car payments, etc.
• Determine those which are variable expenses (amounts are subject to change or happen infrequently) – groceries, entertainment, clothing, vacations, etc.
• Determine your net income by deducting your total monthly expenses from your total monthly income
• Change your spending – If you have negative net income, are you able to cut out some variable expenses? Keeping track of your spending is a great way to determine where your money is going and where changes can be made.
• Review and change as needed – Do you have a positive net income each month? If so, look at other goals – creating an emergency fund, start an investment, contribute to your employer retirement plan, etc.

We are here to help. Contact us for assistance for tools, guidance and accountability for your budgeting needs!

Life Insurance

Life insurance can help to protect your loved ones from financial difficulty if you pass away prematurely. The basic life insurance choices are Term, Whole Life, or Universal Life. Which option you choose depends on your needs.

Would you like to have insurance while the kids are young or while paying off a mortgage? A term life insurance could be the answer.

Would you like to have insurance to cover burial expenses or to transfer assets to your beneficiaries? A whole life insurance policy could be the answer.

Would you like to have insurance with a flexible premium option along with a whole life insurance policy? A universal life insurance policy could be the answer.

If you are unsure, we are here to assist with reviewing the options available to you and what they would cost.

Education Planning

With the rising educational costs, we can assist with saving for your children’s or grandchildren’s educational needs. The basic ways to save are 529 Accounts, Coverdell Education Savings Accounts and Uniform Gift to Minor or Uniform Transfer to Minor accounts.

Which options works for you may depend on some of the following:

• Are you looking for tax deductions?
• Are you waiting withdrawals to be tax free?
• Are you wanting to use the funds only for secondary education (2- year or 4- year colleges, etc), K-12 or both?
• Who do you want to have control of the assets?
• How is each account reported for FAFSA and how will it affect your child?

Our advisors are happy to review the options and assist with putting your child on the right track for covering college expenses.

Business Owners

Are you a large or small business? Are you looking for a retirement plan but not sure which plan is best?

• Payroll Deduction IRA Plan
• Simple IRA Plan
• SEP IRA Plan
• 401(k) Plan
• Solo 401(k) Plan
• 403(b) TSA Plan 
• Governmental 457 Plan

Please contact our office today to speak with one of our representatives to discuss business retirement plan offerings through Lincoln Investment, and what would be the best fit for you! Our representatives are with you every step of the way assisting with:

• Plan Setup
• Third Party Administration Selection
• Participant Enrollment
• Contribution Remittances
• Ongoing Plan Education for Participants
• Financial Education Series Presentations
• Participant Distributions/Rollovers Consultations

Click on the below links for additional information or give us a call today!

• Employer Retirement Plans

Non-Profit Organizations

If you are a Non-Profit/501(c)3 Organization our advisors have a retirement plan for you. Using a 403(b) TSA Retirement Plan, offered through Lincoln Investment, can be a great way to give yourself tax deductions while assisting your employees to reach their retirement goals.

Please contact our office today to speak with one of our representatives to discuss the 403(b) TSA Retirement Plan offerings and what would be the best fit for you! Our representatives are with you every step of the way to assist with:

• Plan Setup
• Third Party Administration Selection
• Participant Enrollment
• Contribution Remittances
• Ongoing Plan Education for Participants
• Financial Education Series Presentations
• Participant Distributions/Rollovers Consultations

Public School Plans

You have IPERS – are you sure it’s enough? Are you needing to save more for retirement through your paycheck? Not sure if you are on track to save enough for retirement?

You can save more for retirement by enrolling in your Public School’s 403(b) TSA Retirement Plan offered through Lincoln Investment, by contributing on a Pre-Tax or Roth (After-Tax) Basis. For those participants whose school is part of the State of Iowa Retirement Investor’s Club (State of Iowa RIC), our representatives are licensed with one of the preferred Vendors – AIG.

Our representatives are here to help answer any questions that you may have and help you enroll in your Public School’s 403(b) TSA Retirement Plan along with running a free Retirement Income Projection Analysis to ensure you are on track to meet your retirement goals!

The Lincoln Investment family of companies nor any of its representatives is affiliated with the Public Employees’ Retirement System (PERS), School Employees’ Retirement System (SERS) or Teachers’ Retirement System; and PERS, SERS and TRS do not sponsor, authorize or endorse the retirement educational services described in this or other communications of Lincoln Investment.