Retirement Planning


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Retirement Planning

Retirement plans are the predominant and best method for people to accumulate savings for retirement. There are numerous types of retirement plans, but all the plans offer some combination of tax advantages and other incentives.

Group Plans
Individual Plans	Small Business	Corporate	Government & Public	Deferred Comp
Traditional IRA Roth IRA Individual 401(k) Individual DB	Simple IRA SEP Individual 401(k) Individual DB	401(k) Profit Sharing Defined Benefit	457 403(b) 403(b) ERISA	SERP Mirror 401(k) Executive Bonus

Types of Retirement Plans

Tax-Qualified Plans
	401 (k) Plans Individual 401 (k) Plans Profit-sharing Plan Defined-benefit Pension Plan ESOP (Employee Stock Ownership Plans)
Other Tax-Advantaged Plans
	IRA (Individual Retirement Account or Annuity) SEP (Simplified Employee Plan) Simple IRA (Savings Incentive Match Plan for Employees) 403 (b) Plan

What does it mean to be "Qualified"

Employer contributions are not subject to federal income tax or payroll tax
Employee contributions not subject to federal income tax
Tax-deferred growth on investments
Nondiscrimination in benefits and contributions
Funding requirements
Limitations on benefits and contributions
Payout restrictions
Top-heavy rules
Protected by ERISA

Benefits of Qualified & Tax Advantage Plans:

Employer contributions are an immediate income tax deduction
Employee contributions are an income tax deduction
Money grows tx deferred
Participant will likely be in a lower tax bracket in retirement years when distribution occur

Contact a LPL Investment Consultant to go over your options for retirement.

Financial Advisors of LPL Financial are Registered Representatives with, and Securities, Advisory Services and Insurance Products are offered through LPL Financial and its affiliates, Member FINRA/SIPC. LPL Financial is not a registered broker/dealer. Investments are: Not FDIC insured, may lose value, are not bank guaranteed, and are not obligations of LPL Financial. LPL Branch Office located at 1311 Carolina Ave, Washington, North Carolina 27889. Investment Advisory Services offered through LPL Financial, a SEC Registered Investment Advisor

FINRA (www.FINRA.org ) SIPC (www.sipc.org)

This site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial U.S. registered representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.