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Does all the talk about Social Security going broke worry you? Are you like most Americans and have an expectation that after a lifetime of working, you will be able to enjoy a comfortable retirement?

If so... Start Saving Now - Click Here!

Do you currently have a systematic savings plan for your retirement goals? If you compare what you have been able to save; to what you have earned over the last 10 years…are you happy?

If not... Get started paying yourself first - Click Here!

The problem today is that it is all up to you to provide financially for your family’s future. With Freedomflex®, we put you in the driver’s seat with an affordable way to take charge. Your money CAN work for you protecting your family and saving for your future needs. Start Saving Today - Click Here!

When It Comes to Saving, It’s Getting Late Early. According to the Employee Benefit Research Institute, 46% of all American workers have less than $10,000 saved for retirement and 29% of all American workers have less than $1,000 saved for retirement. Don’t Wait, Start Now - Click Here!

Those Cat Food Jokes Aren’t So Funny Anymore... One out of every six elderly Americans is already living below the federal poverty line, according to the U.S. Census Bureau.

Don’t want to be the butt of the joke? Start Saving Today! - Click Here

College Planning Services

WR Peiffer - College Planning Services

Our College Planning Division (CPD) provides college planning services. The CPD pays close attention to the needs and desires of each student and customizes a personal planner for each student. Features that are available for college students of any age include:

  1. A Personal Planner filled with important information.
  2. Review of the Free Application for Federal Student Aid (FAFSA), to determine accuracy and thoroughness.
  3. A scholarship search, utilizing a rapid on-line service to determine all the scholarships that your student matches, for possible awards.
  4. The College/Career Exploration will assist the student in deciding on the appropriate college, based on specific needs and desires of the student.
  5. Assistance in locating grants.
  6. An 800 number Hot Line that accesses a financial aid counselor.


If you are like most parents, you see a college education in your children’s future. One of the most precious gifts you can give your children is the opportunity to attend college and receive the training and higher education that they will need to succeed in the high pressure world we live in. The ever increasing costs associated with attending college, and the idea of being able to afford it, makes college a seemingly unattainable dream. Knowing that a college education is so important, you continue to envision that eventuality. Through research, you can determine what needs to be done. Why do you need college planning services when there is nothing involved that you can’t do for yourself? Why use a college planning service when you read about scams in the media? Certainly, there are problem programs, but the media doesn’t tell you the entire story. You need to check it out.

It is true that you can complete this entire process yourself. The catch is, will you do it? Do you have the resources at hand to research the answers to all your questions? Do you have the expertise to understand and assimilate all the information that is available to you? More importantly, do you have the time required to accomplish these things in a timely manner, in order to meet deadlines?

If the answer to all these questions is yes, then you need read no further. However, if you answer no, or if you are not sure, then you should continue. The ISM College Planning Division was established to provide assistance to association members in all areas of the college planning experience.

Utilizing life insurance with a death benefit to insure that money will be there to allow a student to finish college, a cash accumulation vehicle to let money grow for future use and the College Planning Division to provide needed assistance is clearly a valuable asset. ISM is happy to be in the position to help parents and students achieve their educational goals. A college education is one of the most valuable assets available today. It is definitely best to allow an expert to assist you in your effort to achieve it for your children’s future.


FREEDOMFLEX® offers Association Members an exceptionally valuable service.

  • A cash accumulation account with competitive guaranteed and current interest rates with no minimums and no surrender charges. This account will allow you to shelter certain assets to qualify for the maximum amount in government grants and subsidized or unsubsidized loans. This account also provides a way to accumulate transition money for students to use after graduation for such things as clothing for job interviews or deposits for living expenses when they are on their own.
  • An option to redirect your non-insurance premium to an alternative cash accumulation vehicle that can xperience a higher growth rate.
  • A death benefit to pay for college, or to pay off student loans used for college expenses, or to supplement family income in order to allow the student to stay in college if the parent dies.
  • An optional disability benefit is available to self-complete the plan for both life insurance and savings features. The plan provides continuous service long after high school graduation, throughout the entire college experience. You have flexibility in your service, flexibility in your options, and the flexibility to determine what is best for you, with your plan.
Let WR Peiffer and Associates help you get prepared for your child's college future NOW!

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W.R. Peiffer & Associates, Inc. specializes in Wealth Accumulation Planning. We work with individuals, small businesses and the self employed in Illinois and Indiana.