A 401k is a number — not a plan. We turn your savings into guaranteed, tax-efficient income that lasts as long as you do, whether you retire in the US or move back to India.
Annuities · 401k & IRA rollovers · tax-free retirement strategies — for H1B, green card, and citizen families.
1 in 3 people who reach 65 will live past 90. A 25–30 year retirement means your money has to keep working long after the paychecks stop.
A market crash right as you retire can permanently shrink your nest egg. Guaranteed income protects you from that "sequence of returns" risk.
What actually happens to your 401k and IRA if you return to India? Most advisors never plan for it. We do.
Annuities are simply contracts that pay you income — some guaranteed, some with growth. Here are the main types.
Not sure which fits your timeline? Get a free retirement income review →
Real retirement planning isn't one product. We bring it together — rolling over old 401(k)s and IRAs, building tax-free income streams, and timing Social Security — so every piece works as one plan.
Build my retirement plan →If returning to India is even a possibility, your retirement plan needs to account for it now — not after you've left. We help you understand the moving parts and build income that follows you.
You can keep, roll over, or draw from US retirement accounts after moving — but the rules, withholding, and timing matter a lot.
There are real strategies to avoid being taxed twice on US retirement income. We plan withdrawals around them.
Annuities and structured withdrawals can keep paying you whether you're in New Jersey or Hyderabad.
The best moves are made while you're still a US resident. We help you set it up early so your options stay open.
We add up what you have and what you'll need — and find the gap.
A free 15-minute review — annuities, rollovers, and tax-free income, tailored to your plans.
We set it up and adjust as life — and where you live — changes.
Your US retirement accounts don't vanish — you can generally keep them, roll them over, or take withdrawals after relocating. But withholding, required distributions, and the US–India tax treaty all come into play, and the smartest moves are usually made before you leave. We build a plan so your retirement income keeps flowing wherever you live.
An annuity is a contract with an insurance company: you put in money (now or over time), and it pays you income back — often guaranteed for life. Think of it as creating your own pension. Different types trade off growth, safety, and flexibility.
Fixed and fixed-indexed annuities protect your principal — you can't lose money to a market drop, and many guarantee lifetime income. They're backed by the issuing insurer, so we only use highly-rated carriers. Variable annuities carry market risk in exchange for more growth potential.
Often, yes. Rolling an old employer 401(k) into an IRA or annuity can give you more control, lower fees, better investment options, and the ability to create guaranteed income. We'll review your specific plan and tell you whether a rollover helps.
Yes — strategies using Roth accounts and properly-structured IUL can provide income that's tax-free when you take it. Blending taxable, tax-deferred, and tax-free sources is one of the most powerful ways to keep more of your money in retirement.
Now. The earlier you plan, the more options you have — for growth, for tax strategy, and especially if an international move might be in your future. Even if retirement is decades away, a few decisions today make a big difference later.
Let's turn your savings into income you can count on for life.