Retirement plans

Developing and managing an effective retirement plan is more difficult than ever. As a plan sponsor, your organization assumes a number of responsibilities and a significant amount of liability. Finding the right balance in plan design, educating employees about their investment choices, monitoring investment performance and complying with stringent IRS regulations and Department of Labor guidelines are just some of the challenges.

At Etzler Financial Services, we understand the complexities you face in choosing a retirement plan for your business. Additionally, we understand the issues facing your employees who need to save for retirement. We can help you manage these challenges. Utilizing a strategic approach, we're able to ensure your organization's retirement plan supports your long-term objectives.

Advantages of a retirement plan for you

• Reduces your business's taxes with an annual deduction provided by the plan

• Helps meet a growing need for improvement of employee benefits

• Rewards valuable employees and encourages greater loyalty and productivity

• Allows business dollars to be used for personal benefits

• Has more employee impact for the long-term than a salary increase

Advantages of a retirement plan for your employees

• Provides a foundation for financial security and can help participants plan for a comfortable standard of living at retirement

• Accumulates tax-deferred money until it is paid out at retirement

• Allows benefits paid at retirement to be taxed under special, advantageous rules

Choosing the right plan for your business

With many types of retirement plans available, each having different options, the rules governing them are complicated and ever-changing. This can make it difficult to determine which plan will best suit your business needs.

At Etzler Financial Services, we can assist you in choosing a retirement plan that's right for you. Whether you are establishing a new plan or amending an existing one, you'll receive information about available options that would best suit your business needs. Click on the following links to learn more about some of the more popular retirement plans:

• 401(k)

• Profit Sharing

• SEP

• Defined Benefit

Investment flexibility & guidance

Your plan's investment offering is a key factor in helping your participants to realize their financial dreams. At Etzler Financial Services, we also believe the ability to choose investments from multiple sources is critical to help you, the plan sponsor, meet your fiduciary responsibilities. This flexibility allows you to offer investments in each asset class without restrictions.

If you have participants who are more experienced investors and are looking for investment choices beyond the core investments you've chosen for your plan, you may want to consider self-directed brokerage accounts that allows participants to invest in individual stocks and bonds as well as mutual funds.

At Etzler Financial Services, we offer objective guidance and assistance in helping you and your employees choose the investments that are right for your plan.

Employee communication

Communication and education is key to your employees' appreciation of their retirement plan. Etzler Financial Services provides communication and educational services to help your employees understand the basic aspects of their plan. Our representatives will even meet with your employees on an individual basis to explain and review the advantages of participating in your retirement plan.

Winning at retirement

Winning at retirement is a lot easier with professional guidance. With Etzler Financial Services, you work with dedicated professionals who can help you develop a retirement program that meets your needs. Your company is positioned as a good place to work, so you can attract and retain talented employees. Your investment in benefit dollars can be maximized as employees make better use of their benefits. And your employees gain peace of mind knowing they’re controlling their financial futures.

If you want a benefits partner that is committed to your success, if you want experienced people that take care of you, if you want happier employees - team with Etzler Financial Services. We think you’ll like the way we do the things we do.