Public Sector Benefits

Running our great nation has its challenges. There are many moving parts constantly for anyone to manage, on the Federal and State level. It is important that those that support us should not have to worry or think about their retirement in any way. Whether they are contractors or workers in the public sector. They should be focusing on their service, which only benefits our country. Public sector employee benefits should be a given.

Retirement can seem a long way off for those that are just starting out. It can seem something that should be an afterthought versus aforethought. Sometimes it ends up being too late. Whereas putting a little amount away every month could easily lead to millions in retirement. So that after all that dedication to your country, you can now comfortably retire and enjoy the rest of your life.

We here at Umbrellasure want to partner up with your Employee Benefits manager. Taking out the hassle of retirement planning. We specialize in many financial products. 403(b) and 457(b) retirement-planning products especially.

These are specially designed for the public and government sector. They work by allowing employees to put away funds tax-free into investment accounts to build up their retirement. The maximum amount allowed to put away into these accounts is $19,500 for 2021. They are also great – because they reduce your taxable income by the amount that you placed away. In addition, they grow tax-deferred and in most cases after reaching 59 ½ years old, they can be withdrawn without any taxes owed.


The major difference between the 403(b) and the 457(b) is that the 457 (b) allows for those that reach the age of 50 to deposit catch up amounts. These reach up to an additional $6,000 as of 2021. This means they can make a huge bump before their retirement, to allow for their accounts to grow. 457(b) accounts also do not have a 10% early withdrawal penalty. Whereas a 403(b) has if withdrawals are made before reaching 59 ½ years of age.

We are there for you 24/7 to answer common questions as is the example above. We want to take the burden away from your HR benefits department. Our goal is to let HR handle its employees. All while we handle their retirement and other financial aspects.


Although we focus on public sector employee benefits and retirement plans – we also offer Term and Life insurance as well as Annuities. These help protect you and your loved ones from the unexpected. We want to be your one-stop benefits consultant.


Contact us now here and we can discuss all the possible options. In addition, we offer one free hour of financial planning consultation that you can book here. This will give you or your employees an overview and a list of the products which will suit you based on their individual financial overview. For the one free hour – we can dedicate it to a specific area, such as family wealth planning, retirement planning or an insurance assessment.

We look forward to becoming your financial ally and support team.

Find a financial professional