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Retirement Planning

Whether you’re setting the world on fire in your 20s, saving large in your 40s and 50s or settling into your 70s, preparation is the true path to financial enlightenment. In an economic landscape characterized by high expenses and fewer holiday bonuses, we must enjoy the journey, but anticipate the destination. Our solutions turbo-charge your retirement fund, protect your family and fuel your lifelong dreams.

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Your Future in Focus

Seize your future responsibly and affordably with Smallwood and Small retirement solutions.


IRAs in Focus

An Individual Retirement Account—IRA for short—helps you secure your future with tax advantages. Smallwood and Small’s IRA plans boast unique tax benefits at attractive interest rates. Contact us to craft a plan for your future.

Traditional IRAs

  • Must be under 70 ½ years of age to contribute
  • Contributions are tax-deductible
  • Contributions can grow on a tax-deferred basis until withdrawal
  • No maximum contribution limits based on income

Roth IRAs

  • No age limits
  • Contributions are not tax-deductible
  • Contributions made with funds you’ve already paid taxes on, and your money grows tax free.
  • Tax-free withdrawals
  • Maximum contribution limits based on income

Rollover IRAs

Life happens, and job changes do, too. Smallwood and Small’s rollover IRAs seamlessly move contributions from an employer-sponsored plan into a fund with tax-free growth potential.


All About Annuities

Annuities are the safest investment option if you wish to increase your retirement earnings, instead of letting them languish in the bank. Since your funds are invested in conservative stocks and mutual funds, annuities raise your earning potential and lower your stock market risk. Smallwood and Small features a variety of annuities fit to your life. Contact us today.


Long Term Care Insurance

Whether you’re the child of an aging parent or an active senior, long term care insurance is an essential component of retirement planning. While Medicare and employer-based plans may cover short-term nursing home stays or temporary at-home care, they don’t cover the extended care services that you may need. Protect your finances and your family from the burden of care—explore your options today.

The Cost of Care

Average Monthly Nursing Home Cost*

  • West Virginia – $7,600
  • Maryland – $8,340
  • Virginia –  $7,000

*U.S. Department of Health and Human Services


Respite Care Insurance

You’re caring for mom or dad with courage and compassion, but you’re overwhelmed by the task at hand. Respite care insurance is exclusively designed to restore a caregiver’s emotional and physical well-being. Providing temporary relief from caregiving duties, respite care insurance reduces stress for you and your ailing loved one. While Medicare provides for respite care in the event of a life-threatening illness, it only covers individuals qualifying for hospice benefits. Every caregiver deserves a breather; contact Smallwood and Small today.


Health Insurance

Smallwood and Small solutions leave you health assured. Our dynamic partnerships with Shenandoah Community Health and Highmark of West Virginia deliver you the best coverage at the best price. We help you:

  • Find a plan suited to your medical needs, age and income
  • Understand healthcare terminology and your coverage limits
  • Secure coverage for the costs not covered by Medicare Parts A and B

Be healthy, wealthy and wise about medical care—contact us today.

affordable

We’re Networked for Net Savings

Our neighborhood agency is nationally networked for your safety, stability and savings. Our strategic partnership with the Mountain State Agency Alliance yields customers unparalleled access to top-rated carriers, including:

AAA
Allstate
Allied
Celina
Encompass
Erie Insurance
FirstComp
Foremost
Grange
Guard
Hagerty
Harleysville
The Hartford
Liberty Mutual
MetLife
National General
Safeco
State Auto
Travelers

We’re Solution Savvy.

passionate

Compassionate

We’re a community agency that cares. We’ll solve your problems carefully and comprehensively.

competitive

Competitive

We represent more companies than any of our Panhandle competitors.

collaborative

Collaborative

Our strategic alliances bring you more for less.

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