Educational Resources for Individuals & Families

Our purpose is to help you secure your future and protect the ones you love. We're committed to your success. The educational resources below can help you build your knowledge about insurance, retirement, and financial planning. The information presented may be related indirectly or directly with the following: College, Finances, Family, Retirement, Legacy Planning and Topical.

  • Life Insurance and Annuities

    There are many factors you'll want to consider when choosing the type of life insurance that's best for your needs. What do you want in terms of death benefits, tax advantages and flexibility?

    The three main types of life insurance

    • Term Life
    • Universal Life
    • Variable Universal Life
    Types of Annuities

    There are two main types of annuities: fixed and variable. While both provide guaranteed income in retirement, they each offer different features. Fixed Annuites With a fixed annuity, you pay a sum up front and, in return, receive a fixed monthly payment for life, providing you with a reliable stream of income you can't outlive. This may make sense if you're seeking income now or if you want a known income stream that won't be affected by market fluctuations.

    We offer three types of fixed annuities:

    • Traditional fixed annuities offer a predictable return.
    • Income annuities provide current and future income.
    • Fixed indexed annuities offer growth potential and living benefit.

    Fixed Annuites benefits

    • 100% protection of wealth already accumulated
    • Several annuities offer growth potential with interest crediting tied to the performance of an outside index
    • Tax deferred growth until your first withdrawal
    • Guaranteed minimum interest rates; guaranteed access to money for unexpected events, such as nursing home confinement or terminal illness; and a guaranteed death benefit
    • Income options to meet short - and long-term retirement income needs, including an income stream for life.

  • Retirement Services

    With more than 30 years of retirement industry experience, Carlos Mercado can help you expand your business with customized solutions that deliver overall value for your clients' retirement plan benefits.

    Expertise tailored to your needs

    Our clients include 401(k), 403(b), 401(a) and 457(b) plan providers, and our expertise spans government, profit sharing, money purchase, and non-qualified benefit plans.

    We understand your business is not only your livelihood today but a key to your future for you and your family. Whether you're just starting out, growing your established business or preparing to transition, Carlos Mercado can help you take small, manageable steps to help protect what matters most --you, your family and your employees.

  • Video Resources

    A Retirement Savings Journal

    Annuity Story

    Growth and Protection

    Life Insurance 101