InvestorServices

A well-designed retirement plan can help attract and keep talented employees while benefiting owners, managers and employees alike. Together we can examine your business and determine if a 401(k), SEP or SIMPLE best fits your needs.

SIMPLE IRA

Savings Incentive Match Plan for Employees is an employee matching plan designed for self-employed individuals and small businesses with fewer than 100 employees. Employer sponsored, it has features similar to 401(k) defined contribution plans.

SEP IRA

A Simplified Employee Pension IRA is suitable for self-employed individuals and small businesses. Similar to a traditional IRA, a SEP IRA is easy to set-up and administer.

401(k) Defined Contribution Retirement Plan

A well-designed 401(k) plan can help attract and keep talented employees, and benefits both rank-and-file employees, owners and managers. Contributions may be invested in stocks, bonds, mutual funds, money market funds, savings accounts, and other investment vehicles. Earnings grow on a tax-deferred basis, while contributions may reduce current taxable income.

Employers

• decide how much (if any) to contribute
• are entitled to a tax deduction for the contributions they make to employees’ accounts.

Employees

• control how much to contribute to their account
• may take benefits with them when they leave the company

Contact an InvestorServices representative at (573) 634-0888 or stop by any location to get started.

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