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Employer-Sponsored
Retirement Plans

A Citizens Investment Services Financial
Consultant can help you create a retirement
program designed for you and your employees.

As any business owner will attest, the lifeblood of every business is their employees. They keep the wheels of your business turning, and the revenue flowing. That’s why you want to do the best you can to reward them and offer them an additional incentive to stay with your company.

An employer-sponsored retirement plan often means you’ll be able to recruit and retain quality talent—and help ensure that you’re helping your employees prepare for their future.

A Citizens Investment Services Financial Consultant can provide personalized guidance to help you understand all the retirement program options available.

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:


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:


Resources

Not sure where to begin?

Get started on the right track by learning more about investing in order to better understand your options:

 

 

1-800-242-2224

Contact a Citizens Financial Consultant today.

Monday to Friday:
8am – 6pm EST

Or, complete our quick and easy form and we'll contact you.

 
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Securities, Insurance and Investment Advisory Services offered through CCO Investment Services Corp. Member FINRA, SIPC. 770 Legacy Place, MLP240, Dedham, MA 02026. 1-800-942-8300. CCO Investment Services Corp. is an affiliate of RBS Citizens, N.A. and Citizens Bank of Pennsylvania.

Securities and Insurance Products are:
· NOT FDIC INSURED  · NOT BANK GUARANTEED  · MAY LOSE VALUE  · NOT A DEPOSIT  · NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY



Mutual Funds, Variable Annuities and Unit Investment Trusts are sold by prospectus. Please consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus which contains this and other information can be obtained by calling your Financial Consultant. Read it carefully before you invest.



Citizens Investment Services does not provide tax or legal advice. Please consult with a tax or legal advisor regarding your individual circumstances before making any decisions.