Through our financial agents and advisors, we work with individuals, public and charter school employees, professors, government employees, sheriff departments, firefighters, small-business owners, employees, employers and third-party administrators to provide financial services and products.

We offer our clients creative solutions based on their needs. These solutions include:

• Retirement Plans: 403(b)/Roth 403(b) Plans, 457(b)/Roth 457 Plans, IRAs/Roth IRAs

• Rollover IRA Solutions: Guaranteed Income for Life

• College Funding

• Life Insurance with Living Benefits (Permanent and Term)

• Long-term Care Insurance

National Retirement Group and Tampa Bay Financial Group offer Charter Schools a turnkey retirement plan package at no cost to the school or to its employees.

The package includes:

• A plan document

• Plan set up

• Third-party administration from one of the leading firms nationwide

• Outstanding 403(b), Roth 403(b), 457(b) and Roth 457(b products

• Products that guarantee an employee cannot lose his or her principal or earned interest due to market loss

• Guaranteed income for life with a rider

• Products that have no annual advisor and investor fees

• Trusted advisors and representatives who specialize in the school, government and non-profit marketplaces

We also can offer an investment platform if desired.

National Retirement Group is committed to the employees of public schools and universities.

Today, our agents and advisors work with hundreds of employees in schools and universities throughout this nation, including Florida, Texas, Louisiana, Maryland and California.

We help our clients by providing a retirement and savings plan that meets their needs and objectives.

The company we represent serves more than 7,000 school districts and universities nationwide by offering outstanding 403(b) and 457(b) accounts, Tax-Sheltered Accounts (TSA).

These plans are outstanding benefits for employees of public schools and tax-exempt organizations. 

Why should you consider a 403(b) or 457(b) plan?

You should consider this benefit to create an additional retirement income source along with your state pension and Social Security (Texas and California public employees are not eligible for Social Security unless they work in the private sector).  Too often, most people will be entirely reliant on things like Social Security or their state retirement plan.  These are income sources in which you are a “participant” where you have no control over how much you must contribute, how the money is invested, and how you will receive your distribution.  With a 403(b) plan, you are the “owner.”  Here, you make the call on how much you would like to contribute and how you would like to access the account down the line.

What are the benefits?

There are 3 major reasons why most people will save in a 403(b) or 457(b) plan:

1. This benefit will function as a Retirement Supplement.  Instead of being entirely dependent on your State Retirement and/or Social Security, you can create an additional bucket of income for your later years.

2. Your contributions are payroll-deducted and enable you to set up a tax-deferred savings account.  If you’re like most people, whatever you take home as income generally goes right out the door to pay for bills, expenses, and lifestyle.  A 403(b) creates a  savings plan where you “pay yourself first.”  The two biggest regrets that we hear from our retirees are, “I wish I had started saving earlier,” and “I wish I had saved more.”

3. Your contributions are made on a pre-tax basis and distributions are tax-deferred.

You Protect and Serve Everyday …We Can Help Protect You and Your Family

As a firefighter, your job can be physically challenging and very stressful. You put your life on the line every day to serve the public. What happens if you were to die unexpectedly or become disabled because of health issues or job– related injuries?

To supplement any life and disability coverage you have, we offer an excellent and affordable solution! It is a 15-year annually renewable term life insurance policy with level premiums for 15 years. The policy offers a guarantee death benefit and two accelerated, living benefit riders without charge. These riders can provide living benefits if the insured becomes terminally ill and or chronically ill. If these events occur, the policyholder can access the policy’s death benefit proceeds on a tax-advantage basis.

Here’s an example, a 30-year-old firefighter (male, rated preferred, non-smoker). For $200,000 of life insurance coverage (guaranteed death benefit), the premium payment is only $10.72 per paycheck! Also, if the insured were to become disabled at age 40 and meet the accelerated benefit rider’s chronic illness definition, the policy owner has the right to receive up to $1,421 per month for 50 months. The original death benefit, $200,000, is discounted and reduced by the amount withdrawn.

We at  National Retirement Group and Tampa Bay Financial Group, work with many firefighters and police officers to help them plan for their financial futures. We provide outstanding life insurance and safe retirement solutions for those participating in a 457(b) plan and in the Deferred Retirement Option Program (DROP).  Let us share our expertise with you,  and let us serve and protect you and your family.

For more information, please call Anthony Competelli at 888-401-0107

We work closely with Sheriff Departments to offer a no-cost, turnkey Roth 457(b) and 457(b) retirement plan package.

We provide:

Roth 457(b) and 457(b) Plan Document provided at no cost. The plan document will reflect the language needed for a Roth 457(b) plan and 457(b) plan.

 Free plan administration for the Sheriff’s Department and its employees.  We work with one of the leading TPA firms headquartered in Florida.  It serves thousands of plans nationwide.  We also will provide the third-party plan administration. The product vendors and insurance companies will pay the administration fees for this Roth 457(b) and 457(b) plan (25 plan participants or more).

 Outstanding and unique Roth 457(b) and 457(b) products. These product solutions protect all premiums paid and earned interest from market loss. These indexed annuities also offer a Guaranteed Lifetime Income Rider. One of the most popular Roth 457(b) products offers a 5% immediate bonus on all contributions for the first seven years!

 Veteran advisors.  Our advisors and representatives have many years of experience working with Florida, California, and Texas public school district employees, firefighters and government employees. They will educate your employees about the Florida Retirement System. They also will provide retirement plan options and DROP solutions and education.

National Retirement Group Mortgage Division and Capital Loan Associates are committed to helping you find the right mortgage product to fit your needs. We understand that every borrower is a little different, and that is why we offer a variety of products to meet your individual requirements.

We strive to make the process of securing a mortgage simple and as straightforward by offering you the latest in financial tools that enable you to make sound financial choices. Our team of experts will be with you every step of the way, to help with any questions or concerns that you may have. At Capital Loan Associates, we know you have choices and we take every step to assure you have made the right decision.

For more information or for a quote, please call us at 888-401-0107 info@NationalRetirementGroup.org
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