Jennifer A. Schaefer MBA, CFS,CLU, RHU, REBC

I have been providing employee benefits solutions for 14 years. Independence Financial Associates provides a one stop shopping for our clients. Our approach is to free up the HR manager and do every task for our clients. *We add and delete employees *Mail out kits to all new hires *Follow up on paperwork *Help with claims issues-20 years experience *Give our number to every employee *Quarterly seminars on many topics available *Health Advocate for clients- 7 days a week Register Nurse available to speak with.  Please call us today for a quote(877)355-6070.

Mutual Funds, Annuities, Stocks, Bonds, and other investments are available through Hornor, Townsend, Kent, Inc.  Such investments will fluctuate in value and are subject to investment risks, which may result in the loss of principal.

Jennifer is currently licensed/registered to offer insurance and securities in her resident state of PA, along with DE, MD & NJ.  Additionally, Jennifer can offer securities in the states of CA, DC, FL, IL, MA, NC, NY, OH, VA & VT.  Not an offer or solicitation in any states where not properly licensed and/or registered.

If you are a resident of any other state, please note that it is a simple procedure for Jennifer to become licensed in your state, she currently holds Series 6, 7, 63 licenses.
Calculators

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

Federal Income Tax

This calculator can help you estimate your annual federal income tax liability.

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

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Newsletters

The Dynamics That Can Drive Inflation

High unemployment and slow wage growth seem to have kept consumer spending and core inflation from growing very rapidly in the first half of 2011. This article reminds investors to keep the potential risk of inflation in mind, because even modest price increases compounded over time can erode the purchasing power of the assets in their portfolios.

To Roll or Not to Roll: It's Your Choice

Some employers are encouraging departing employees to leave their retirement savings in their employer plans. But employees should make any decisions based on their own needs and concerns, not the former employer's. Read about the pros and cons of rolling over retirement plan assets to an IRA.

HOT TOPIC: Understanding the Three New U.S. Trade Agreements

Congress recently approved trade agreements with South Korea, Columbia, and Panama. They are the first U.S. trade agreements in four years. This article examines the pros and cons of the agreements and how they may stimulate the U.S. economy.

Using a Variable Annuity for Guaranteed Income

One recommendation from the White House Task Force on Middle Class Working Families was for retirees to consider purchasing annuities to help provide a stable income. Investors who want their retirement portfolios to go the distance might want to learn more about variable annuities.

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