SERVICES

VIVA Financial Group Services

We have a variety of services available to you

RETIREMENT SOLUTIONS

ESTATE PLANNING

BUSINESS / EMPLOYEE BENEFITS

Annuities

Are you:
  • Saving and investing for the long term?
  • Interested in adding to your retirement nest egg?
  • Looking for tax-deferred earnings on your money?
  • Someone who likes to manage your own investments and control your destiny?
  • Someone who doesn’t want to manage as much, but would rather know exactly how much your money is earning from year to year?
  • Interested in something that will guarantee* you an income for a period of time or maybe even for the rest of your life?
  • Looking for something that allows you some control over your income and how much you receive and when?
  • Planning your estate and looking for something that may enhance your plan?

RETIREMENT SOLUTIONS

Believe it or not, if you answered YES to even ONE of those questions, an annuity may be right for you.
We provide top quality products with some of the most innovative (and really cool) features available today.
We have a top notch customer service department and provide web access to all of our products details.
We help those saving for retirement get there faster and we help those living in retirement enjoy the good life.
Whether Fixed, Index, or Immediate, annuities from our core family of companies all have different features and benefits to help meet your specific needs. You’re invited to learn more about the types of annuities we have to offer, and to talk to one of our financial professional to find the one that’s tailor-made for you.

Fixed Annuities

Whether you’ve already retired or are approaching retirement, you have a lot of choices when it comes to how you’ll create and draw your retirement income.
As you make decisions about how you’ll fund your retirement, you must first consider a few key questions:

What are your short-term and long-term goals?

A fixed annuity is great for people who:
Are looking for tax-deferred growth
Want a fixed rate of return so they know exactly what their money is earning.
Want minimum guarantees not available in other financial vehicles.
  • Fixed Annuities
  • Immediate Annuities
  • Index Annuities
  • Retirement Solutions

Annuity Benefits & Features

Fixed Products, Safety of Principal, Minimum Fixed Rate Guaranteed, Tax Deferred Growth,
Monthly Income Riders, Penalty-Free Income Options ( Optional Riders )
You’ve worked hard to provide a good life for your loved ones. Plan ahead to make sure the assets you’ve accumulated pass on to those you love according to your wishes. Once you establish an estate plan with goals and strategies that are right for you, revisit it every so often to ensure it continues to meet your objectives.

Estate Planning

An estate plan can be the blueprint for your financial life and your family’s financial future.
Estate planning is a process that helps you accumulate, conserve and give assets to your family or others. It addresses your legal and financial concerns taking into account your goals and your tax considerations. It also takes advantage of existing laws and funding vehicles to save taxes efficiently and help manage your property in an efficient way during your lifetime.
A well-designed estate plan can do the following:

Reduce Estate Taxes

ESTATE PLANNING

The Federal Government levies a substantial tax – up to 45% in 2008* (for larger estates) – against the value of your estate. That tax is due and payable, generally within 9 months following death.
With a well-conceived estate plan estate taxes can be significantly minimized.

Provide Liquidity to Pay Estate Taxes

If your estate consists primarily of real estate, a business or other non-liquid assets, your heirs could end up cash poor – and be forced to sell assets in order to pay taxes. Insurance planning can help solve this problem.

Protect your Family’s Income

How will the members of the family support themselves after you’re gone? A sound estate plan can make certain the family will be taken care of.

Provide Professional Asset Management

An estate plan can arrange for professional management of your assets on your family’s behalf.
Control distribution of your estate
Will your assets be distributed the way you want them to? Your estate plan will make sure your wishes are met.
* Based on the current tax law, The Economic Growth and Tax Relief Reconciliation Act of 2001. The Act contains a “sunset” provision that repeals the Act as of December 31, 2010. Consequently, all tax code changes made under the Act will revert to their status prior to enactment on January 1, 2011. Unless there is future legislation the Act will only be effective through the year 2010. CRN201009-106190
The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. VIVA Financial Group, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

Affordable Employee Benefits

Implementing an employee benefits package may seem expensive; however, the tax considerations can help offset the overall cost and its impact on current and prospective employees could be rewarding. Through our network of financial professionals, we can help you provide an attractive package of benefits for your employees.
VIVA Financial Group offers group health insurance solutions through several national carriers; Aetna, Blue Cross/Blue Shield, Humana and United Healthcare, Cigna. These carriers offer numerous HMO, POS and PPO Plan options- enabling you to choose the right plan to fit your company’s needs.
With the ever rising costs of healthcare, high deductible health plans paired with Health Savings Accounts (H.S.A) or Health Reimbursement Accounts (H.R.A) offer employers cost alternatives. The move to consumer driven health plans can help companies save an average of 25% on the monthly premiums.
Our dedicated service team will partner with your staff and serve as an extension of your team to facilitate staff the following: Handle all of your BILLING, ENROLLMENT & CLAIMS QUESTIONS. Here are other additional plans that we offer.

BUSINESS BENEFITS

Retirement Plans

Help your employees save for retirement by offering a retirement plan as part of your employee benefits package.

Executive Programs

We offer affordable solutions that are designed to assist in recruiting and retaining executives.
Group Disability Income Insurance, Group Dental, Group Vision, Supplemental Plans
Provide employees with income protection that supplements your company’s group long term disability plan in the event of a disability.
  • Short-Term Disability Income Insurance (STD)
  • Long-Term Disability Income Insurance (LTD)
  • Voluntary Disability Income Insurance

Premier Disability Income

To help prepare for an unexpected disability that results in loss of income, you can choose your desired monthly benefit coverage amount, subject to income replacement guidelines. This payroll-ducted coverage is 100% employee-paid.
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