We are in Canton Every First Monday Weekend Friday and Saturday.


Family at sunset

How do I prepare for retirement?

It is never too late to plan for retirement.  However, it is better for the individual to start a retirement program when he/she is young.  A number of issues that need to be considered are age, objectives, and what type of vehicle to use to accomplish your goal.  A real issue is the type of risk you want to assume.

A happy and fulfilling retirement means different things to different people.  Decisions that are made determine a change that affects one’s peace of mind.

There has to be an analysis of your assets as well as your liabilities.  One crucial thing is a determination of when you want to collect Social Security. Of course, later is better.  Finally, you need to take stock of your protection.

Check out our Retirement Calculator below!


Annuity IRA

An Individual Retirement Account is a savings account, where the money is tax-deferred until you reach 59 1/2 years of age, at which time your IRA must be cashed out or moved into a fixed or variable annuity account.

Fixed Annuities

Fixed Annuity

A fixed annuity is an annuity which is a savings account that has a fixed interest rate guaranteed.  

Variable Annuities

Variable Annuity

A variable annuity is an annuity, of course, that pays a variable interest rate that can be put into the stock market, but it has no guarantee.  

Try out our Retirement Calculator!

Use our Retirement Calculator to answer a commonly asked question:  “Assuming regular investment amounts, how much will I have when I retire?”

It easily answers the question and also creates a detailed schedule with projected date-based investments and charts. 

Our Retirement Calculator is for your use only.  We do not retain any information you enter. You can, however, choose to print your information, savings schedule, and/or charts.

Randy Wells

Independent Insurance Agency

(903) 394-3387
Retirement Calculator

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Independent Insurance Agency

1118 N. Link St., Palestine, TX  75801

Cell:  (903) 394-3387

Fax:  (903) 729-0708

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