Assisting you
in enjoying a
stress-free retirement

Byron Hakim and associates is a retirement planning firm specializing in income planning using dividend paying whole life insurance and fixed rate annuities. Life insurance provides a tax free death benefit and tax free loans. The fixed rate annuities provides safety of principal, competitive interest rates, tax deferral, and guaranteed lifetime income options. These financial instruments are excellent estate planning tools that avoid the cost and delay of probate. Our goal is to give our clients a simplified plan to enjoy a financially stress free retirement.