“I like having the ability to borrow money from my retirement account while still earning interest on the money. Also, having the potential for a guaranteed lifetime of Tax-Free income puts my mind at ease. The comfort of having life insurance and living benefits as well make it the perfect package for me and my family.”

“Since my income is sporadic as a real estate agent, I needed a financial plan that was flexible. Universal Retirement designed a plan for us that works great because I can make contributions when I have a good month. When money gets tight I can access my retirement savings without early withdrawal penalties and taxes. They really understood our needs and designed a plan that was perfect for our family!”

Hi have been working with Hendra and the team at Universal Retirement for several years now and we can't be more pleased. Hendra is one of the most caring people we have met and always puts his client first. I highly recommend Hendra and the team at Universal Retirement.

“I have been using Universal Retirement for over a year now and they are just as impressive and involved as they were the first day I met them. They genuinely care about you and your family’s needs and goals. I highly recommend them!”

“Universal Retirement is the absolute best! They walked me through everything I needed to find the best investment option for my current situation. They were patient, knowledgeable and went out of their way to make the process easy for me. I have total confidence in the plan we worked out for my financial future.”

“The agents at Universal Retirement are the epitome of professional enthusiasm. They are incredibly knowledgeable and carry with them an amazing energy. They are patient and try to understand where you’re coming from so they can get you where you need to be to meet your goals. Their flexibility in when and where they can meet with you make them a godsend to work with. They have helped me personally do an 180 with my finances and I am so grateful to have crossed paths with Universal Retirement. They has been truly life changing and I recommend them to all my friends and co workers. Thanks for everything you’ve done for me! :)”

“Universal Retirement are the guys you want in your corner to look out for you and your family for years to come. They were genuine and knowledgeable and were able to provide us a with a plan that matched our families needs and goals for the next 5 years!”