Look to the Future with Excitement

Your financial future may be secured through debt management, savings goals, and proper life insurance coverage. Regardless of what challenges your unique situation faces, a licensed member can help by sharing common-sense financial concepts. A licensed member can help you create obtainable solutions that can be measured and monitored for success. Licensed members promote financial literacy to our clients and offer products and solutions that fit that client’s needs. Don’t wait for tomorrow, take action toward your financial well-being today.  Procrastination can be one of the greatest limiting factors in achieving any financial goal.

Each family’s circumstance is unique. This is why your licensed member offers a wide array of financial products and services to meet your specific needs.

403(b)

A retirement plan offered by public schools and certain tax-exempt organizations. An individual’s 403(b) annuity can be obtained only under an employer’s TSA plan. Generally, these annuities are funded by elective deferrals made under salary reduction agreements and nonelective employer contributions.

Your licensed Member does not offer legal or tax advice. Qualified business solutions should be carefully discussed with your CPA and legal counsel.

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457

Plans of deferred compensation described in IRC section 457 are available for certain state and local governments and non-governmental entities tax-exempt under IRC 501. They can be either eligible plans under IRC 457(b) or ineligible plans under IRC 457(f). Plans eligible under 457(b) allow employees of sponsoring organizations to defer income taxation on retirement savings into future years. Ineligible plans may trigger different tax treatment under IRC 457(f).

Employers or employees through salary reductions contribute up to the IRC 402(g) limit ($18,000 in 2015) on behalf of participants under the plan.

Your licensed Member does not offer legal or tax advice. Qualified business solutions should be carefully discussed with your CPA and legal counsel.

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Roth IRA

A Roth IRA is an IRA that, except as explained below, is subject to the rules that apply to a traditional IRA.

• The account or annuity must be designated as a Roth IRA when it is set up.
• You can make contributions to your Roth IRA after you reach age 70 ½.
• You cannot deduct contributions to a Roth IRA.
• You can leave amounts in your Roth IRA as long as you live.
• If you satisfy the requirements, qualified distributions are tax-free.

Your licensed Member does not offer legal or tax advice. Qualified business solutions should be carefully discussed with your CPA and legal counsel.

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Traditional IRA

An individual account or annuity set up with a financial institution. Under federal law, individuals may set aside personal savings up to a certain amount, and the investments grow, tax-deferred. In addition, participants can transfer money from an employer retirement plan to an IRA when leaving an employer. IRAs also can be part of an employer plan.

Your licensed Member does not offer legal or tax advice. Qualified business solutions should be carefully discussed with your CPA and legal counsel.

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Business Solutions

In order to increase employee retention, attract top talent, and take advantage of lucrative tax advantages, business owners execute qualified employee benefits.

• Retirement Plan Solutions
– 403(b) Plans
– 457 Plans
– SEPs and Simple IRAs
• Executive Compensation Programs
– Deferred Compensation
– Key Person Insurance
– Split Dollar
• Business Continuation Programs
– Business Continuation Strategies
– Buy-Sell Agreements

Your licensed Member does not offer legal or tax advice. Qualified business solutions should be carefully discussed with your CPA and legal counsel.

College Savings

The longer the time horizon before college, the better, so begin your saving strategy today. Compounding interest over time is powerful and the longer your college savings account can grow, the more likely you will be to offset your child’s tuition, fees, books, and living expenses.

Whether you are a parent or a grandparent, a licensed member can help you structure a college savings strategy. Contact your licensed member today and see if we have a strategy that is right for you!

Life Insurance

Because all families have differing needs and wants, your licensed member can help you determine the right type and amount of life insurance that fits your specific situation. Whether it is a term or permanent, through our state of the art financial needs analysis software, your licensed member can help your family make the right choice for you.

Your licensed Member does not offer legal or tax advice. Qualified business solutions should be carefully discussed with your CPA and legal counsel.








Insurance products are offered through Benefit Services Group, LLC