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Retirement Plans

Retirement Plans

Employees are one of the most important assets to a small business. We will help you select the best retirement plan for your company so you can attract and retain those treasured employees.

There are many choices when selecting the plan that best fits your unique situation:

401(k) Plans
A 401(k) is a qualified plan that allows for employee pre-tax contributions. The value of a 401(k) investment grows tax deferred until withdrawn, when it's taxed as ordinary income.

Individual 401(k)
An individual 401(k) plan for owner-only businesses - those with no employees other than the owner's spouse and no plans to add employees in the near future.

SEP-IRA stands for Simplified Employee Pension IRA. It's a tax-deferred retirement plan for small business owners, where the employer makes deductible contributions to their own IRA, as well as, deductible contributions to IRAs for eligible employees. We can help you set up your SEP-IRA.

SIMPLE stands for Savings Incentive Match Plan for Employees. It's a payroll deduction plan that permits an employee to make pre-tax salary deferral contributions in addition to the employer's contribution.

For more information please call (937) 283-3111 or 1-800-837-3011.

*Securities, insurance products and advisory services are offered through Cetera Investment Services LLC, member FINRA / SIPC . Financial Professionals are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States. View Cetera's privacy policy and other important information. Cetera is not affiliated with the financial institution where investment services are offered.

Insurance and investment products are not a deposit, not FDIC insured, not guaranteed by National Bank and Trust, not insured by any Federal Government Agency, May Lose Value.