Products & Services At Carr Financial, we provide assistance in the following areas: Investments 401(k) advice Roth IRAs Traditional IRAs Simple IRAs Managed Accounts (Institutional Managers) 403(b) account management for MSU employees and many other institutions. 529 College Savings plans 401(k) plans for businesses Mutual funds Indexed Annuities Variable Annuities Fixed Annuities Life Insurance Disability Income Insurance Long Term Care Insurance Work Site Benefit Programs Financial Planning Retirement Planning Asset Allocation Advice for your 401(k) 403(b) or IRA College Fund Planning Estate Planning Leading edge planning software Social Security Timing Insurance Life Insurance offered by many quality companies. Term 10,15,20, 25 and 30 year. Universal, Variable, Indexed and Whole Life Disability Income Insurance Long Term Care Insurance Work Place Life Insurance For employees of businesses 15-5000. Payroll Deduction plans that are portable for the employee. Sophisticated Planning Tools We excel in helping people understand how to position themselves for retirement. We have the tools, software and knowledge for Retirement Planning.