Tax-Advantaged Investing

Find out how to keep more of your money
  • Employer-sponsored plans
  • Tax-deferred annuities
  • Options for self-employed workers

Reduce your tax burden,
now and in the future*

Our Financial Advisors can provide guidance as to what might work best for you.

You should also consider your short-term and long-range tax burden. The Wealth Management team is well-versed in tax-advantaged options and can put you on a path that maximizes your after-tax resources.

401(k) Plans

  • With a 401(k) plan sponsored by an employer, employees can elect to invest a portion of their wages in a tax-deferred account.
  • Additionally, employers may contribute to a 401(k) plan through employer matching contributions or a profit sharing program.
  • Our Financial Advisors can provide guidance and direction on your specific plan to assist you in developing healthy financial habits for retirement.

Qualified Retirement Plans

  • A qualified retirement plan is an employer-based plan that meets IRS requirements and offers certain tax benefits.
  • Examples of qualified retirement plans include 401(k), 403(b), and profit-sharing plans.
  • Stocks, mutual funds, real estate, and money market funds are the types of investments sometimes held in qualified retirement plans.
  • Taking distributions from a qualified plan before retirement age can often result in tax penalties.

Tax-Deferred Annuity

  • A tax-deferred annuity is an investment product issued by an insurance company.
  • Under current tax law, you do not pay taxes on the earnings credited until the earnings are withdrawn.
  • An annuity can accumulate interest in three different ways: on the principal, on your earnings and on the earnings you would have otherwise paid in taxes.
  • A tax-deferred annuity is available in both fixed- and variable-rate form.
  • Tax-deferred compounding allows your money to potentially accumulate faster than similar taxable alternatives.

Simplified Employee Pension-Individual Retirement Account (SEP-IRA)

  • With a SEP-IRA, the employer, not the employee, makes the contributions.
  • Generally, the SEP-IRA is designed for self-employed persons operating as sole proprietorships, partnerships or corporations.
Life Insurance
Don't let "what if" turn into "what now". Stop losing sleep and let us give you peace of mind.