Plan, Prosper and Preserve Your Assets!

Pension Plans

In many ways, a pension plan is a method in which an employee transfers part of his or her current income stream toward retirement income. There are two main types of pension plans: defined-benefit plans and defined-contribution plans.


In a defined-benefit plan, the employer guarantees that the employee will receive a definite amount of benefit upon retirement, regardless of the performance of the underlying investment pool.


In a defined-contribution plan the employer makes predefined contributions for the employee, but the final amount of benefit received by the employee depends on the investment's performance.


HEIR Financial Planning’s Financial Advisor, Edna Consing Concepcion, has assisted Medical Clinics, Dental Clinics, Engineering Companies, and numerous entrepreneurs to establish their Pension Plan.  Call or e mail her for your complimentary analysis or comparative analysis of your current plan.

Download the American National 2015 Pension Design Questionnaire


Plan, Prosper and Preserve Your Assets!


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** Some of the Information on this site has been derived from different resources such as the National Financial Planning Association, Securities and Exchange and  Commission, Department of Insurance and Investopedia

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