Retirement Planning- Many individuals already take advantage of one or more of the commonly known retirement savings vehicles, like IRA’s or 401k’s. Yet so often, they fail to take into account future tax liabilities that can have such a dramatic impact on their income levels and, ultimately, their quality of life in retirement.

No strategies to help reduce taxes are simple. In many cases they need to be combined with other retirement planning instruments, such as a trust and insurance, to obtain the best result. When handled by a financial planning professional, however, the increase in your wealth and decrease in your tax liability can be very substantial. That is why you owe it to yourself to let a professional guide you toward your retirement goals. At Moore and Associates, we specialize in retirement planning and have the knowledge and expertise necessary to provide you with quality results.

Securities are offered by NYLIFE Securities LLC (member NASD/SIPC), 51 Madison Avenue, New York, NY 10010. 10010.

Investment Advisory Services - We typically use a fee based "assets under management" approach, which helps to ensure that our interests are always aligned with yours - to protect and grow your investments.

Through our various investment approaches ranging from separately managed portfolios of stocks and bonds to mutual funds - we can personalize your portfolio to help you meet your financial goals.

Annuities- An annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump-sum of money into a guaranteed stream of income payments.

Deferred annuities offer the advantage of tax-deferral and can be used to accumulate money for retirement.

Income annuities are used to generate a stream of income payments that is guaranteed to last for as long as you need it to -- even for the rest of your life.

You can use the articles below to help you learn more about which annuity might be right for you.

• Variable Deferred Annuities# - A Variable Deferred Annuity offers the advantage of tax deferral and can be used to accumulate money for retirement. The policy’s accumulated value – and sometimes the amount of monthly annuity benefit payments – fluctuates with the performance of your investment account.
  
  
• Fixed Interest Deferred Annuities - With a Fixed Interest Deferred Annuity, the interest rate on your policy is guaranteed never to fall below a certain amount. For many people, this provides a measure of security about their investment.
  
  
• Immediate Income Annuities - As the name implies, Immediate Income Annuities are annuities under which income payments begin immediately – one period after the annuity is purchased.
  
  
• Special Annuities - "Special Annuities" are actually two different annuity products in one. Our "Split Annuity" is used to generate income while preserving principal. Our "Income Enhancer" is used to generate income while accumulating money in a variable annuity# that has the potential to help you keep pace with inflation.

# Securities are offered by NYLIFE Securities LLC (member NASD/SIPC), 51 Madison Avenue, New York, NY 10010.