Are you looking To Protect Your Hard Earned Money and Assets?

Do You want to Learn How To live a "tax free" retirement?

At Mosley Mutuals LLC, we prioritize providing excellent support and explaining solutions for individuals seeking information on growing their assets to live a comfortable and affordable retirement. We have licensed insurance agents willing to help explain all the options available to you. Contact us today for personalized advice.

How Much Money Do I Need to Retire?

The amount of money you need to retire depends on several factors such as your current lifestyle, expected expenses in retirement, and your anticipated retirement age. There is no one-size-fits-all answer to this question.

However, financial advisors generally recommend that retirees should have saved enough to generate 70-80% of their pre-retirement income to maintain their standard of living. This means that if you earn $100,000 per year before retirement, you should aim to have $70,000 to $80,000 per year in retirement income.

To achieve this, experts often suggest that you save at least 10-15% of your income each year for retirement, starting as early as possible. You may also want to consider factors like your expected lifespan, potential healthcare costs, and inflation when planning for retirement.

How Much Do I Get in SSI When I Retire?

The amount you receive in Social Security retirement benefits, also known as SSI (Supplemental Security Income), depends on several factors, including your earnings history and the age at which you begin receiving benefits.

To qualify for SSI retirement benefits, you must have worked and paid Social Security taxes for at least 10 years (or 40 quarters) and be at least 62 years old.

Your benefit amount is based on your highest 35 years of earnings, adjusted for inflation. The Social Security Administration (SSA) uses a formula to calculate your monthly benefit amount, which takes into account your average indexed monthly earnings (AIME). The AIME is calculated based on your earnings history and is adjusted for inflation.

The amount you receive in SSI retirement benefits also depends on the age at which you choose to begin receiving benefits. If you begin receiving benefits at your full retirement age (FRA), which is between 66 and 67 years old depending on your birth year, you will receive your full benefit amount. If you choose to begin receiving benefits before your FRA, your benefit amount will be reduced. Conversely, if you delay receiving benefits past your FRA, your benefit amount will increase.

The average monthly Social Security retirement benefit for 2022 is $1,664, but your individual benefit amount may be higher or lower depending on your earnings history and other factors. You can estimate your benefit amount using the Social Security Administration's Retirement Estimator Tool on their website.

Why Mosley Mutuals, LLC?

We have more than a decade of combined experience with our partners in the Health and Life Insurance field. We have excellent teams of licensed insurance agents to help you navigate your healthcare, life insurance, and investment options.

What are some of my Retirement Options?

Choosing the right Financial Plan for your retirement can be confusing, but working with a local Mosley Mutuals agent is available to help you find the best options to meet your retirement goals.

There are many different ways to fund your retirement and speaking to a licensed agent to understand your options, return on investment, and risk factors play a vital role in choosing the correct vessel to fund your retirement.

Index Universal Life (IUL)

Index Universal Life (IUL): is a type of permanent life insurance policy that offers a death benefit as well as a savings component that can be used for retirement. With an IUL, you pay premiums into the policy, which are invested in an underlying index, such as the S&P 500. The policy's cash value grows based on the performance of the underlying index, subject to a cap or floor that may limit the growth or protect against losses. The policy's cash value grows without being taxed, and you can withdraw or borrow from the policy's cash value in retirement without incurring taxes, as long as the withdrawals do not exceed the policy's cost basis.

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An annuity is a contract with an insurance company that provides regular payments to you in exchange for a lump sum or regular payments. There are different types of annuities, including fixed, variable, and indexed annuities, each with their own features and risks.

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Cash Value life insurance

Cash value life insurance policies, such as whole life or universal life, provide both a death benefit and a savings component. The savings component can accumulate over time, and you can withdraw or borrow from it in retirement.

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Long-term care insurance

Long-term care insurance can help cover the costs of long-term care, such as nursing home care, in the event that you need it in retirement.

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Disability insurance

Disability insurance provides income replacement if you become disabled and unable to work. This can be important for protecting your retirement savings if you are unable to continue working and contributing to your retirement accounts.

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401(k) or 403(b) plans

These employer-sponsored retirement plans allow you to contribute a portion of your salary before taxes, which can help reduce your taxable income while saving for retirement. Many employers also offer matching contributions, which can boost your savings.

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Individual Retirement Accounts (IRAs)

IRAs are personal retirement accounts that allow you to contribute up to a certain amount each year, depending on your age and income. There are two main types of IRAs: traditional and Roth. Traditional IRAs allow you to make tax-deductible contributions, while Roth IRAs allow you to contribute after-tax dollars, but withdrawals in retirement are tax-free.

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Mutual funds

These are professionally managed investment portfolios that pool money from multiple investors to purchase a variety of stocks, bonds, and other securities. Mutual funds offer a diversified portfolio, which can help reduce the risk of investing in individual stocks or bonds.

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Real estate

Investing in real estate, such as rental properties or real estate investment trusts (REITs), can provide a steady stream of income and potential long-term appreciation.

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Stocks and bonds

Investing in individual stocks or bonds can provide potential long-term growth, although it's important to remember that these investments can also be more volatile and risky.

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Need Help?

Mosley Mutuals LLC is here to assist you in understanding the various options available through Health and Life Insurance Products to ensure that you live a happy and comfortable life. For the most comprehensive information, we recommend speaking with one of our licensed agents in your area, who can provide details on all the options available to you.

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