Peoples BancorpTrusted Advisors. Smart Solutions.
You either have JavaScript disabled or you need to upgrade to Flash Player 7.

Get Flash
Investments

Retirement Plans for Employers

Which plan below best meets your need? Let us help you design a plan that is right for you and your employees.

  • Profit Sharing - This type of plan is generally funded by employer discretionary contributions and features tax deferred growth
  • Age weighted or comparability (cross-tested) plans - This plan is for employer who want to favor older highly compensative participants
  • 401K - Allows both discretionary employer contributions as well as the ability for employees to contribute on their own behalf
  • Safe Harbor 401K Plans - 401(k) plan that eliminates discrimination testing
  • Owner Only/One Person 401K - Recent tax law that permits owners/partners of small business to maximize their contributions
  • Simplified Employee Pension (SEP) & Simple IRA's - This retirement vehicle is ideal for a very small business
  • Money Purchase Pension Plan - A plan that requires a fixed contribution to be made to all eligible participants each year
  • Defined Benefit Pension Plan - Plan provides a promised level of retirement benefits to participants
  • Non Qualified Plans - Allows employer to reward key employees

Why Choose Peoples Financial Advisors for Retirement Planning?

Few companies offer more choices, or more guidance, to help you create a retirement plan you can count on.

  • Our experienced Specialists and Peoples Financial Advisors can consult with you in person.
  • Through Peoples Financial Advisors , you have a full range of investment choices, including stocks, bonds, and mutual funds.

Every business needs a retirement plan. Whether the business employees one person, or many people, there is a design that will meet the needs of the participant(s).

Plans vary in terms of:

  • Administrative work
  • Control over investments
  • Benefits to employees

Benefits to your business include:

  • Employers receive deductions from taxable business profits for contributions made to the plan.
  • Attract and retain quality employees by providing a valuable retirement benefit.
  • Small businesses with 100 employees or less are eligible for a tax credit of 50% on up to $1000 of administrative costs in the first 3 years of a new plan. At least one non-highly compensated employee must participate to be eligible for the credit.

 

Contact us to ask a question, or set a time for a Peoples Financial Advisors Retirement Plan Services representative to meet with you to review your company's benefit options and needs, or to design an integrated benefit program to suit your objectives.

*Withdrawals from qualified plans prior to age 59 1/2 are taxed as ordinary income and may be subject to a 10% penalty.

The above services are offered through Peoples Asset Management and are exclusive of Raymond James Financial Services, Inc.

Additional Services

 

 

 

 

Are Not FDIC Insured
May Lose Value
Are Not Bank Guaranteed

 

Help