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Jennifer Lang Financial Services

Whatever changes you’re hoping to make or goals you’re trying to achieve, our agents will provide you with sound advice and professional guidance every step of the way. Take a look and see all that we can do for you today.


Creating Financial Freedom with Products That Offer Upside Market Potential with No Downside Market Risk.

Safe Money Retirement Experts!
Personal No-Market Risk Financial Planning

Failing to plan  is planning to fail. 

Building and preserving your personal wealth requires specialized attention. You get one-on-one guidance and a comprehensive financial plan that helps manage risk, improve performance, and ensure the growth and longevity of your wealth from a financial advisor who puts your needs, goals and time horizon first.

We work with over 20 of the most top A Rated life insurance carriers to find you the best rate and benefits. Sit back and let us do the shopping for you and let our expertise lead to your advantage. is a Financial Services Company that specializes in Life Insurance, Annuities, 401K Rollovers and Small Business Loan Services.

Our mission is to work to increase financial literacy across America, to provide financial planning knowledge, basic no-market risk strategies, and action steps, to help you reach your goals and pursue a future of financial independence.

Create a tax-free retirement plan for as little as $100/month.
Get started now.

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How Will the Economy Affect Your Retirement?

Are you worried about rising taxes? Rising long-term care costs? The uncertainty of Social Security?
We have solutions that can take the worry out of retirement with guaranteed lifetime income strategies that
offer upside potential and avoid exposing your nest egg to  stock market risk.

Take Advantage of Our Complimentary Consultation Today!

401K Rollover

Tax-deferred saving


Tax-deferred saving


Tax-free saving

TSP Rollover

Tax-deferred saving


We Help You Plan For Life's Events.

Retirement is not an age or a date.
It’s a strategy that covers Social Security, taxes
and long-term care costs not covered by Medicare.

What's your strategy?


5 Paradigm Shifts:

What Benefit Would You Like To Plan For?

1. Will We Have Higher Taxes In The Future?
2. Will We Have Lower Benefits In The Future?
3. Will We Have Inflation?
4. Will We Have Increased Volatility?
5. What Will Happen If We Live Too Long? Or What If We Outlive Our Money?

We sell financial miracles.
Here are four of the financial miracles we sell:
(1) We sell the financial miracle of compound interest,
(2) We sell the financial miracle of tax deferral or tax-free compound interest, and
(3) We sell the financial miracle of leveraging -- pennies that can buy dollars and one dollar that can do the work of many dollars.

(4) We sell the financial miracle of sequence of returns risk - no need to wait for market recoveries. You're gains are locked in.

Let's put a strategy together today. Take advantage of our
Free Complimentary Consultation Now.


It’s the rare person who decides they want to get ahead of the changes of life,
but creating a plan before life hands us a crisis is our goal.

One in three 65-year-olds will live into their 90s, but few can afford it. Talk to us about a strategy that provides supplemental income to help fill in the financial gaps that come with a long life.


Welcome To Jennifer Lang Financial Services

You have taken your first step toward financial independence by visiting us today. We are here to help those who seek a greater understanding of their financial situations and wish to find better opportunities for themselves, their families and their businesses. 

Interested in alternative solutions? Worried about Retirement? Need to begin College Planning? Need a plan for Long Term Care costs not covered by Medicare? You’ve come to the right place! Our goal is to help you find something to fit your budget and meet your needs. Take a moment to check out our services, video podcasts and webinars. Find out why families nationwide are looking to

Jennifer Lang Financial Services!

Retirement Planning

Do not put retirement planning on the back burner. Use a 401(K) Rollover expert to plan ahead now, and reap the benefits later.

Strategic Business Planning

If you still have all of your plans and ideas locked up inside of your head, preparing a strategic plan can help you clarify your company's direction.

Insurance Planning

Life Insurance is essential to any comprehensive financial security plan. Some life insurance policies also provide tax-advantaged savings.

Analyzing Graphs

Did you know that Medicare only pays for 100 days of Long-term care costs?

After that, how will you pay for it and where will the money come from?
The annual cost of nursing home care averages between $89,297 – $100,375.
A health event such as cancer, stroke, heart attack or Alzheimer's disease could
wipe out your retirement nest egg.

Someone turning age 65 today has almost a 70% chance of needing some type of long-term care services. Think about the first 20 minutes of your day. What if you had to pay someone to help you with that? Learn how annuities help cover these costs.

Click here.....

If you become too sick or hurt to work how will you:

  • Pay your regular expenses?

  • Maintain your lifestyle?

  • Contribute to your qualified retirement plan?

Will you still receive any employer match on your retirement contributions?

The average disability lasts 31.2 months.
1 in 4 of today's 20-year-olds will become disabled before they retire.

What if you are a self-employed business owner?

What happens to your business and employees?

A disabled worker continues to incur living expenses.
As a result, disability is often accompanied by a need for increased income.

We've got a strategy that will help you protect today and tomorrow.


Because fixed indexed annuities (FIAs) offer predictable income, Americans feel more comfortable when withdrawing funds from these retirement vehicles, as opposed to an IRA or 401(k). Choosing a FIA is an efficient way to plan for your future, as your interest earnings rate always remains somewhere between the interest rate floor and the cap. In turn, no matter what happens in the market, you can count on payments throughout your golden years.

Conference Room

How To Control Your
Tax Bracket.

Deferred Annuities Allow You the Opportunity To Control Your Tax Bracket In Retirement.


Retirement News

If you are worried about taxes increasing, here's what you can do now....... Since you have no influence over the tides or the stock market, now you can shape your retirement future with guaranteed income. The SECURE Act offers retirees a way to secure retirement income later in life.

Protect your retirement nest egg from potential market downturns and risk with an in-service strategy. Turn some of your traditional IRA or 401(k) into lifetime income.

As of April 22, 2020, Social Security benefits will be reduced by 22%, according to the summary of Annual Social Security and Medicare Report. 

A tax-efficient income strategy can add tens of thousands of dollars to a retiree's estate value and may add up to 6 additional years of portfolio longevity.

According to the Treasury Department, longevity annuities “can provide a cost-effective solution for retirees willing to use part of their savings to protect against outliving the rest of their assets, and can also help them avoid overcompensating by unnecessarily limiting their spending in retirement.”

There is a limit on how much of your retirement plan savings can go to a QLAC. An investor can spend the lesser of 25 percent of his or her retirement savings or $135,000.

A husband and wife could potentially allocate a total of $270,000 to QLACs if both had sufficient retirement accounts to justify.

What is a QLAC?

A QLAC is a Deferred Indexed Annuity that can be funded only with assets from a traditional IRA or an eligible employer-sponsored qualified plan such as a 401(k), 403(b), or governmental 457(b). At the time of purchase, you can select an income start date up to age 85, and the amount you invest in a QLAC is removed from future RMD calculations, reducing RMD taxes.

The creation of the QLAC has opened up the opportunity to defer income past age 72, the RMD start age, using tax-deferred savings like an IRA or 401(k).

QLACs address one of the biggest concerns among individuals in retirement: making sure they don't outlive their savings. After all, more than 30% of American workers aren't confident they'll have enough money to maintain their standard of living through retirement, according to the 2019 Retirement Confidence Survey conducted by the Employee Benefit Research Institute.

A QLAC delivers a guaranteed stream of lifetime income beginning on a date you select. For instance, you may purchase a QLAC at age 65 and have your payouts begin at age 75. Typically, the longer the deferral period, the higher your payout will be when you're ready to start receiving income payments.

You need to be able to count on your money being there even if there is another financial crisis. A sound distribution sequencing strategy must account for ways to minimize taxes.

Our no-market risk strategies not only allow you to protect your retirement nest egg, but give you options with products that can:

  • Preserve your savings with indexed growth potential.

  • Predictable liquidity and access for unexpected health care costs to pay for Home Health Care, Nursing Home Care and Terminal Illness Benefits.

  • Exclusive indices with interest crediting multipliers for increased death benefits.

  • Some with No Fee components available

In many ways, retirement planning today demands a higher level of attention than ever before. Workers can no longer assume that company pensions will be waiting for them once they turn 65. In fact, it is more likely that they will be responsible for securing their own financial security once they retire. And, as unease grows over the future of Social Security, most American workers must actively plan for their own retirements.

This requires making savings and investment decisions that are increasingly diverse and complex. It also requires that individuals create a comprehensive strategy for distributing assets in a way that minimizes taxes and ensures funds accumulate as long as possible on a tax-deferred basis. One additional factor—notably, longer life expectancies—also highlights the need to develop an effective asset distribution strategy that supports a longer retirement. 

Take action now.


How can I take some pressure off my retirement portfolio?

Are you under the age of 59 1/2? The Retirement Red Zone is defined as the 10 years before and the 10 years after retirement. It's a critical period when you may have less time to recover from investment mistakes and poor investment performance.

For retirees that are transitioning from the accumulation phase to the distribution phase of retirement planning, it's important to protect that nest egg you have built up over the years.

Hypothetical friends Owen and Clara demonstrate how two potential strategies for retirement income compare in the face of market losses, longevity, inflation, and low rates. Whose strategy is more efficient for reducing the pressure on their portfolio to help meet their financial objectives? Watch the video to find out.


How would Clara's annuity account look if we applied interest credit?

Many indexed annuities credit interest annually based upon the performance of an index, limited to an annual cap rate.

  • In a year that the index rises more than the cap rate, the interest credit is the cap rate.

  • In a year that the index rises less than the cap rate, the entire increase is credited.

  • In a year that the index declines, the annuity's value is protected from the decline, and there is there no interest credit.

To show how this works, here's an example using the actual changes in the S&P 500 ™ during the calendar years 2006 - 2016.

The calculation is based on a premium of $225,000 and cap rate of 4.5%. This calculation does not reflect any particular indexed annuity product, thus it does not reflect or guarantee future performance of any product. Keep in mind that on most indexed annuities, the carrier can change the cap rate from year to year. So this is a conservative calculation.

What's most important to see is that during a negative year (2008) the account did not lose any value.
(Click To Expand)


Rolling over a portion of your 401K now, is a tax-efficient income strategy that can add tens of thousands of dollars to a retiree's estate value and may add up to 6 additional years of portfolio longevity. Rolling over to a Fixed Index Annuity (FIA) is a non-taxable transaction that protects you from two major retirement dangers: market risk and longevity risk. They provide a safe haven from stock market downturns by contractually guaranteeing principal and annual gains against loss with the potential for index credited growth.

Basically, buying an annuity means making a commitment to set aside funds now and allowing the funds to grow for a set period of time, typically 5 - 10 years. Afterward, you can elect to annuitize (start receiving checks) or allow the money to continue to grow tax-deferred.

Conference Room

Would It Be A Great Benefit To Never Lose Money Ever Again?

We can help you get started today.


42% of Women Fear They'll Run Out of Money by Age 80.

Linda Billings | Real Life Story

Running out of money in retirement is a major concern among men and women alike. But because females tend to outlive their male counterparts, their chances of meeting this unwanted fate are even greater. In fact, 42% of women think they're at risk of depleting their nest eggs by the time they turn 80, according to a new study by Merrill Lynch and Age Wave.

Thanks to the strategies she’s put in place for her retirement and with the help of her insurance professional, Linda doesn’t have to work. As part of the planning they did, Linda purchased several annuities, which now cover 100% of her current and anticipated monthly expenses.

Retirement is wonderful if you have two essentials: Much to live on, and much to live for. WILL YOUR RETIREMENT INCOME LAST?

We can help take the guess work out of having money into your 80s, 90s and 100s ..... Contact us now.

At we specialize in no-market risk strategies.

We only work with the top 20 annuity carriers and we do the hard work for you. We shop around not only for the best rate, but we have exclusive No Fee annuities that offer liquidity, the Highest Indexed Growth Potential, Enhanced Death Benefit Doublers along with Long-Term Care/Nursing Home Benefits. None of which the stock market can offer.

Take advantage of our Free Complimentary Consultation Click here to Get started today

Analysing Data

Mitigating the Tax Torpedo

The decision of when to take Social Security versus retirement plan benefits might change significantly if taxes are considered. A result known as the “tax torpedo” may occur, which refers to a high marginal tax rate that is potentially triggered when retirees take Social Security payments in the same year they receive income from IRAs and other taxable sources. The term “tax torpedo” alludes to the apparent unfairness of such a high tax being imposed on retirees with moderate incomes who are dependent on Social Security benefits for much of their retirement income.

The Social Security taxation formula can cause a taxpayer’s marginal income tax rate to exceed the top rate applicable to the highest income earners. Two conditions create the tax torpedo:

  • Income thresholds applicable to tax on Social Security benefits have not been indexed to inflation or changed since the initial laws authorizing income tax on Social Security payments over 20 years ago were enacted. Inflation has reduced these formerly high income levels to moderate income levels, thereby exposing many middle income retirees to a high marginal tax rate.

  • Combining taxable IRA and retirement plan income with Social Security income in the same year triggers the torpedo, causing retirees’ effective tax rates to soar.

State income taxes can also amplify the tax torpedo effect. However, the effect can be reduced or avoided by taking IRA or other retirement plan distributions first and claiming Social Security retirement benefits later. This tactic gives the Social Security benefit time to “mature,” resulting in a higher benefit later and ultimately reducing the amount of taxable income that a person will need to withdraw from IRAs and other taxable accounts during their retirement years.

Taking smaller IRA and other plan withdrawals will result in a lower adjusted gross income, which may increase the possibility that Social Security benefits will remain tax free.

Things To Remember:

  • IRA withdrawals can create capital gains tax

  • IRA withdrawals can create taxable Social Security benefits

  • IRA tax complications for the surviving spouse

  • IRA tax complications for next generation beneficiaries

Bottom Line:

The More You Have In Your 401(K) Or IRA, The More You'll Lose To Taxes. 
AND The More Money You Receive From Your 401(K) or IRA, 
The More Of Your Social Security You'll Lose To Taxes.


Many clients, may be concerned about being pushed into a higher tax bracket during retirement and having to pay Medicare premium surcharges and taxes on Social Security benefits. As a result, they may seek a distribution strategy that uses up some tax-deferred assets first before turning age 65 in order to minimize their income. Or, they may choose to withdraw funds from tax-free accounts first in order to avoid being moved into the next tax bracket.

Consider the following example.


Consider investing for income.

After maximizing your lifetime Social Security benefits, consider income products that bridge the gap between Social Security checks and the monthly income may need.



Jennifer is amazing! You know from the first sentence that you are going to get top-quality information. She promptly found the perfect insurance policy for me. And she is a lovely person -- totally professional and a joy to talk to!

Anthony Colantuono

Jennifer is in a class of her own when it comes to guaranteed income retirement planning. I couldn’t believe the amount of value packed into her webinars and videos.

Working with her to develop a plan for my retirement has not only given me peace of mind, but I feel more empowered and knowledgeable after attending her webinars. 

Keep up the good work!

Emma Roberts

Hi Jennifer, I don't know if I'm your youngest client or not, but as a young investor, I learned so much from your webinar, 'Hey Millennials Think Your 401k Beats an IUL'. Now I've got my tax-deferred bucket and the tax-free bucket you helped me with.

 I like how you make things plain and simple. I'm sharing your videos with my friends and my mom! Nobody told me this stuff. Thanks . 

Payton Hillman

I have been looking for business owner retirement planning solutions and I stumbled upon Jennifer's webinar training. I am so glad I did.  I never would have thought of this strategy.

She showed me different life insurance policies that I could use as a small business owner to free up capital and fund my business retirement income. 

Thanks for your help, Jennifer!

George Mason


The financial educational tools on our website are guides for you to find the essential resources you can use toward your path to financial security and wealth accumulation. This is a  wonderful opportunity to get to know who we are as a company and how we can make your financial dreams come true!

Take advantage of our No Charge Complimentary Consultation and let us show you how we can help you too.​

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Contact Us

Have a particular challenge you’re trying to deal with? Contact us today and see what we can do for you.

Tel# 1(877) 487-8926

Texas Office Mailing Address:

Jennifer Lang Financial Services, LLC.

3139 W Holcombe Blvd, Suite 2031
Houston, TX 77025

Georgia Office Mailing Address:

Jennifer Lang Financial Services, LLC.

1700 Northside Drive
Suite A7 PMB 1019
Atlanta, GA 30318

To speak to our

Business Tax and Accounting Services Department:
Call :1(855) 838-3382

We specialize in all business needs, including:

  • Tax planning

  • Bookkeeping and accounting services

  • Payroll solutions for your growing organiztion

  • Help building business credit and securing loans

  • Personal and corporate tax preparation services

  • Navigating the Nevada Tax Code

  • Trust writing and asset protection


401(k), 403(b), 457, and other qualified retirement plans are tax-advantaged plans established by the IRS to help Americans save for their retirement years. Many organizations that offer these plans provide their employees with self-service options to access the savings and investment components within these plans. Working with a professional to review your options, as well as the impact of those selections on your savings and retirement income potential, can prove to be invaluable advice for the future.


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A Life Insurance Tech Company with a Financial Literacy Mission

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Disclaimer: No Rendering of Advice The information contained within this website is provided for informational purposes only and is not intended to substitute for obtaining accounting, tax, or financial advice from a professional accountant.


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