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I am a business owner who:
- Has more than 100 employees, and needs more guidance to clearly understand
my choices.
- Has revenue of more than $1.5 million annually.
- Is looking for a customized retirement plan for my employees.
A Citizens Investment Services Financial Consultant will help you determine which retirement plan meets your needs—and those of your employees:
401(k):
A 401(k) is an employer-sponsored tax-deferred retirement plan that’s funded with
both employer contributions and employee salary reduction contributions. Citizens
Retirement Choice® 401(k) plan also offers:
- Plan Design Specialist Support—to assist in the evaluation and recommendation of
your 401(k) needs.
- Due Diligence Consultant—to objectively evaluate your company’s needs against our
plan provider’s products and services.
- Service Guarantee—to conduct on going reviews and serve as your advocate for communications.
- Employee education and communication programs—offer customized education based
on your plan design.
403(b):
Similar to a 401(k), these tax-deferred retirement plans are for employees of not-for-profit
institutions such as public schools, hospitals and other non-profit organizations qualified under section 501(c)(3) of
the Internal Revenue Code.
Non-Qualified Plans
Generally used by a company that already offers a defined contribution plan for
their employees, a Non-Qualified Plan is funded by the employer to help retain key
employees in their organization.
Ready to get started?
To learn more about employer-sponsored retirement plans for you and your company,
contact Citizens Investment Services.
Call 1-800-242-2224
You can also visit a local branch, or we’ll contact
you when you fill out the following quick and easy form:
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I am a business owner who:
- Has less than 100 employees, and needs guidance in order to understand my retirement
plan options.
- Has revenue of less than $1.5 million annually.
- Is looking for an affordable plan to offer my employees.
A Citizens Investment Services Financial Consultant will help you determine which retirement plan meets
your needs—and those of your employees.
SEP (Simplified Employee Pension):
A Simplified Employee Pension plan is another great way to help your employees save
for retirement. A SEP plan allows you, the employer, to make tax-deductible contributions
into an SEP IRA for your employees. Other benefits include:
- Employer decides annually amount and whether or not to contribute.
- Minimal start-up and administrative costs.
- Easy to administer.
- Allows for tax-deductible contributions and potential tax credits.
Simple IRA (Savings Incentive Match Plan for Employees):
A Simple IRA provides you, the employer, a savings incentive opportunity to offer
your employees. With a Simple IRA, your employees can contribute a part of their pre-tax
compensation into the plan and, in turn, you can match their contributions. Other
benefits include:
- Easy to administer.
- Offers the employer tax deductions for the contributions they make to their employees'
accounts.
- Start-up and maintenance costs are low compared to qualified retirement plans.
Ready to get started?
Schedule a complimentary financial review with a Citizens Investment Services Financial Consultant to
learn more about your retirement options for you and your employees.
Even if you have an existing employer-sponsored retirement plan, we can offer
you an objective second look at your current plan.
Call 1-800-242-2224
You can also visit a local branch, or we’ll contact
you when you fill out the following quick and easy form:
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