Retirement Planning

What's your dream?

How do you envision spending your time when you retire? Will it be that year-long trip to Tuscany you've discussed for a lifetime? Finally opening that little teahouse on the lakeshore? Curling up with a library full of good books? Whether your dream is spending time in the garden or exploring our world, now is the time to start planning ahead.

Retirement plans are one method for people to accumulate savings for retirement. There are numerous types of retirement plans, but all the plans offer some combination of tax advantages and other incentives.

To learn more about available retirement planning options as well as tools and sales concepts to help you grow your retirement planning business, contact one of our expert Financial Advisors

Individual Plans

  • Traditional IRA
  • Roth IRA
  • Individual 401(k)
  • Individual Defined Benefit

Group Plans

Small Business

  • Simple IRA
  • SEP
  • Individual 401(k)
  • Individual Defined Benefit


  • 401(k)
  • Profit Sharing
  • Defined Benefit

Government & Public

  • 457
  • 403(b)
  • 403(b) ERISA

Deferred Compensation

  • SERP
  • Mirror 401(k)
  • Executive Bonus

Fixed Income

We provide access to a comprehensive range of fixed income products and related services. Among the products available are government and corporate notes bonds, municipal bonds, Treasury bills, and a full range of packaged products that includes closed-end funds and unit investment trusts.

We can deliver access to products that will address virtually every fixed income need. In addition, the Fixed Income professionals at Infinex work closely with your Financial Consultant to help make sure you are on track.

Financial Planning

Financial consultants at New Peoples Financial Services can help you, no matter what your goals are.

Financial Planning encompasses the comprehensive treatment of wealth transfer strategies, income, expenses, assets and liabilities, stock options, and federal and state taxes over the life of an investor. For such important work, you need a dedicated and trusted consultant who will work with you in a relationship based on trust and confidence to show you how to work toward your goals for retirement, college, and more.

Financial consultants at New Peoples Financial Services have at their fingertips access to a suite of financial planning tools to help them serve you, no matter how diverse your needs.

*We do not provide tax advice. Consult your tax advisor.

REITs: Dividends & Diversification

The primary objectives of REITs are to provide investors with diversification into a different asset class, current income, and the opportunity to own large commercial real estate properties you might not typically be able to afford on your own.

The potential benefits of REITs include:

  • Wide Range of High-quality Properties
  • High-quality Tenants
  • Varying Lease Terms
  • Diversification - Just as a personal investment portfolio should be diversified to work toward reducing risk, REIT portfolios seek to achieve diversification through
    • The number of tenants who lease properties
    • The number of industries represented by tenants
    • The length of lease terms signed by tenants
    • The geographic locations of properties throughout the United States
    • There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Are REITs* for Me?

REITs could be appealing investments for investors seeking

  • Attractive Current Income
  • Capital Preservation/Appreciation
  • Tax Efficient Income
  • Diversification
  • Safety From Stock Market

Investing in Real Estate Investment Trusts (REITs) involves special risks such as potential illiquidity and may not be suitable for all investors. There is no assurance that the investment objectives of this program will be attained.

*There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk


This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. registered representatives. Osaic Institutions U.S. registered representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

Investment and insurance products and services are offered through OSAIC INSTITUTIONS, INC. Member FINRA / SIPC. New Peoples Financial Services is a trade name of New Peoples Bank. Osaic Institutions and New Peoples Bank are not affiliated. Products and services made available through Osaic Institutions are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of not guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.

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