Employer Sponsored Retirement

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401(k) Plans & Employer Sponsored Retirement

What Is A 401(k) Plan?

A 401(k) is an employer-sponsored savings and investing plan offered by employers that gives employees a tax break on money they set aside for retirement. The money is taken out before an employee’s paycheck is taxed and the contributions are invested at the employees direction into one or more funds provided in the plan.

Employers often “match” employee contributions, but are not required to do so. While the investments grow in an employee’s 401k account, they do not pay any taxes on it.

Managing Employer Sponsored Retirement Plans

401(k) and other related plans can be costly to setup, cumbersome to maintain and potentially subject employers to lawsuits if the plan becomes outdated or the investment options are too expensive.

At Miles Brown Asset Management, we are able to help design, implement, and manage corporate retirement plans structured to your specific needs. Choosing us enables your business to:

  • Save time and money while giving employees the retirement plan they want.
  • Offer participants diversified asset allocation models based on their specific needs.
  • Enjoy an easy transition from your existing plan.
  • Assist in complying with current and new regulations while helping manage your liability.

These plans enable companies to deliver a truly valuable benefit to their employees by helping participants achieve their retirement goals, all while reducing costs and time spent managing the plan.

Work With A Professional

Because 401k plans are subject to numerous and complex rules, regulations and tax qualification requirements, it’s important to consult with a qualified professional before making any decisions.

To learn more about 401(k) retirement plans and other types of employer-sponsored retirement, please contact us for a complimentary consultation. We look forward to learning more about your business and how we can help create a plan that works for you and your employees.

Your 401(k) At 50: What You Should Be Doing

Your 401(k) At 50: What You Should Be Doing

If you’re in your fifties and have a 401(k) retirement account, now is a good time to do some housekeeping. You’re getting close to retirement, and it’s a good idea to make sure everything is buttoned up and running smoothly. The last thing you want is to...

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Right Now Is The Time To Max Out Your 401(k)

Right Now Is The Time To Max Out Your 401(k)

If you have a 401(k) account through your employer, right now is the time to max out your annual contribution, if possible. Not later today, not tomorrow, not in a few weeks after the kids are home from school. Put whatever you’re doing on pause, fire up...

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Free Financial Planning Consultation

Would you like to speak with a financial planner about your specific needs? If so, we'd love to hear from you! You can book a free phone consultation with us right now by clicking "Schedule An Appointment".

Once you've picked an available day and time, and provided your contact information, your appointment will be booked. If you have any questions, or need to change your appointment, please call us at (707) 595-8702. We look forward to speaking with you.

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