Stop losing retirement income to taxes and market crashes.
We help pre-retirees and business owners protect the money they have already earned, turn it into income they cannot outlive, and keep more of it away from the IRS.
Rooted in Valley Stream, New York. Serving New York, New Jersey and Pennsylvania.
For the life you are building.
MMT Financial and Insurance is the Move Mountains Team of Freedom Equity Group: independent, so we compare five carriers side by side instead of selling one company’s shelf.
You did the saving. Now the job is not losing it.
Within 10 years of retirement
A market drop in the five years before or after you retire does more damage than one at any other time. We build a floor under your income so that timing cannot hurt you.
Holding a 401(k), 403(b) or IRA
Every dollar in those accounts is taxed on the way out. We show you which rollover and reallocation options keep growth while reducing the tax bill later.
Business owners and key executives
Key-person coverage, executive benefits and tax-advantaged retirement funding designed around how your business actually pays you.
Growth when the market rises. Protection when it falls.
A personal pension you cannot outlive.
Your principal is protected from market losses, your interest is linked to an index like the S&P 500, and an income rider can turn the balance into guaranteed lifetime income for you and your spouse.
- Principal protected in down years
- Tax-deferred growth until you draw income
- Accepts 401(k), 403(b), IRA and other rollovers
The Quality of Life policy.
Life insurance that works while you are alive. Cash value grows tax-advantaged with a floor against losses, and living benefits let you draw on the policy to self-fund a serious illness or long-term care instead of draining your retirement.
- Tax-free access to cash value in retirement
- Living benefits for critical, chronic and terminal illness
- A tax-free death benefit for your family
Protect your family today.
Term or permanent coverage that replaces your income if you are not there, and, on qualifying policies, lets you accelerate part of the death benefit while you are alive if a critical, chronic or terminal illness strikes.
- Income replacement for your spouse and children
- Living benefit riders at no added premium on qualifying policies
- Placed with one of five carriers we compare side by side
Life insurance that pays you while you are alive.
A serious diagnosis brings two bills: care that health insurance does not cover, and income that stops while you recover. Living benefits let you take a portion of your death benefit in cash, now, to pay for either, so the retirement accounts stay untouched.
How living benefits workIndependent. We place your plan with the carrier that fits, not the one that pays us most.
Suitability first. No product until the numbers say so.
A 30-minute conversation
On Zoom or in person. Where you are, what you have, and what retirement needs to look like. No obligation.
Your analysis
A written needs analysis and side-by-side illustrations showing your current path against a protected one, in plain numbers.
A recommendation, or none
If a strategy is not suitable for you, we say so. If it is, we handle the application and carrier work with you.
Forty years in banking. A nurse who has seen what illness costs.
Marc Merritt
Currently VP and Senior Credit Portfolio Manager at a major regional bank, with 40+ years in financial services including JP Morgan Chase, Merrill Lynch, Citibank and HSBC. Marc brings a credit analyst's discipline to every retirement plan.
Marc on LinkedIn →
Marylene Teopengco-Merritt, RN
An active operating-room nurse and licensed insurance RVP. Marylene has watched families face serious illness without a financial plan, which is why living benefits sit at the center of how MMT designs coverage.
Marylene’s FEG page →
Tanya Ransom, RNRegional Manager · NY/NJ Lic LA-1973798Tanya’s FEG page
Marie Angelie EscoberField Training RepresentativeJoin Marie’s team
Jean Laguerre, Sr.Field Training RepresentativeJean’s FEG page
Joe SlaterField Training Representative · Executive recruiter, 30+ yearsJoin Joe’s team
Adelina VargasField Training RepresentativeAdelina’s FEG pageBusiness Planning Strategies.
Key-person coverage, executive bonus plans, buy-sell funding and tax-advantaged retirement funding, explained in plain numbers. Tell us who you are and it is yours.
- 16 pages, written for owners, not agents
- No sales call unless you ask for one
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Learn before you decide.
Find out what your retirement looks like with a floor under it.
A free 30-minute discussion on Zoom or in person. Bring your statements; we bring the math.