SERVICES
Money
Management
Portfolio Reviews
401(k) Rollovers
Retirement
Financial
Plans
Estate Plans
College Savings
Clients Only
WHY US
Benefits
Available Services
"Interview Us"
Fee Information
Disclosures
Applications
THE COMPANY
Background
Philosophy
The Press
Policies
Opportunities
LINKS
Home Page
Related Links
|
New York
- Retirement plans are constantly changing and beginning
modified. The following represents a brief list of the most popular
retirement plans.
-
Defined benefit
plans - Traditionally called - pensions, these plans which
are no longer offered by most companies. These plans
are characterized by the fact that employers contribute money and make
a binding promise that retired workers will receive income for the
rest of the lives based upon a defined formula. No employee
contributions were allowed and employers made investment decisions.
-
Defined
contributions plans - Commonly referred to as 401(K)
accounts,403(B) or TSA plans, profit sharing or ESOPs, these plans are
now commonly used as employers don't have a binding obligation to pay
any benefits. Employers and or employees make contributions into these
plans and employees generally monitor their own investments. Many
plans are optional and many have employer "matching"
payments.
-
Non-qualified
retirement plans - The word "qualified" generally
refers to the tax-deferral advantage offered in most retirement plans
(taxes are deferred until you take the money out). Most plans such as
401(K) plans and other defined contribution plans are qualified.
Non-qualified plans are generally used to provide additional
retirement benefits to senior management or key employees. Unlike
401(K) plans, contributions are taxed immediately. Any earnings
associated with the contributions are tax-deferred so long as the
money remains in the plan.
Regardless of what plans your
company offers - make sure you are participating in all the ones you are
eligible for.
Your independent Fee-Only
financial adviser can help you determine how your retirement plans will
benefit your retirement planning.
About Us
The
Independent Adviser Corporation is a 100% Independent and 100% Objective
Financial Advisory Firm that writes buy-side investment research. Our
network of independent Fee-Only Financial Advisers serves individuals,
families and businesses. They provide financial planning services, tax
advice and offer professionally managed asset accounts. They do not
underwrite corporate securities nor do they sell any proprietary products.
To find out more or get a FREE consultation Ask
The-Adviser.com or
call 1-800-ADVISER.
|
Check with your
employer to make sure you are participating in all eligible retirement
plans offered.
Got an investment question?
Ask The-Adviser.com
Open a professionally
managed account:
- Brokerage Accounts
- Traditional IRAs
- Roth IRAs
- 401(k) IRA Rollovers
- 403(b) IRA Rollovers
- College Savings
- Retirement Savings
Top Ten Investment
Picks
Financial Advisory Services
Money Management
Retirement Planning
Portfolio Reviews
401(k) Rollover Assistance
College Savings
Financial
Plans
|