Retirement Planning & Investing

We can help with your personal retirement needs

Whether it's a simple fee review or an in-depth evaluation on a business qualified retirement plan to help you ensure that you're fulfilling your fiduciary duty outlined in the current ERISA guidelines, we are here to help.

Below is a basic overview of retirement account options that we offer through a non-affiliated qualified custodian. Please check the IRS Website for specific information pertaining to your account type or check with your accountant for further details.  Contact Us to learn more!

Retirement Account Options

401(k) or 403(b) offered by your employer
A 401(k) is usually offered by a for-profit company, while teachers and other employees of certain nonprofits may be offered a 403(b) instead. They both allow employees to contribute a portion of their wages to individual accounts.

Solo 401(k)
A sole proprietor can set up an individual 401(k) and make contributions as both the employee and employer.

SEP IRA
SEP stands for simplified employee pension, and this kind of account is used primarily by the self-employed or small business owner.

SIMPLE IRA
A SIMPLE (Savings Incentive Match Plan for Employees) IRA is available to any small business (generally with 100 or fewer employees).

IRA
An IRA is available to anyone saving for retirement, while providing certain tax advantages. Contributions may be fully or partially tax deductible, depending on your unique circumstances, and are allowed until the age of 72. The earnings and/or gains are not taxed until the money is distributed. Required Minimum Distributions (RMDs) must be taken the year of turning 72.

Roth IRA
With a Roth IRA, contributions are not tax deductible because they come from after-tax dollars and can be made after reaching the age of 72. Distributions may be tax-free if you follow certain requirements, but there is no mandatory requirement once turning 72. The amounts can remain in a Roth IRA as long as you live.