Plan Selection and Investment Choices

 

Choose the Plan that is Right For You and Your Company

 LOW COST AND EASY TO MAINTAIN

THE PLANS WE USE ARE OFFERED BY MUTUAL FUND COMPANIES AND SELF-DIRECTED BROKERAGE ACCOUNTS

 

Individual 401(k) Plans  For Self-Employed, Family or Owner Only Businesses, $15,500 Allowable Tax Deductible Contribution plus 25% Profit Sharing up to a combined $46,000 Allowable Tax Deductible Contribution for 2008.  These plans have loan features, on-line access and processing, no testing and institutional share class pricing. ($5,000 catch-up contribution is allowed for participants over age 50).  

Account Features (Features vary by plan provider)     enroll now

  • Low Fees: No set-up fee, $10.00 tp $25.00 per participant annual fee (fees may decrease for participant with balances over $50,000)
  • Accepts all qualified rollovers,  pre-tax and Roth contributions allowed
  • Consolidate all of your current retirement holdings, include 401(k), 403(b), 457 profit sharing, money purchase, IRA and SEP 
  • Complete loan processing ($25 - $75 set-up fee, $0-$75 annual maintenance fee)
  • Plans with over $1 million in assets may qualify for discounted fees
  • Online contribution processing system
  • Daily Transaction capabilities with access to your account online
  • Form 5500 assistance available for a fee (for account assets of $250,000 and above) 
  • Two service options:  a self-service plan for employers who have experience sponsoring retirement plans and require minimal assistance administering the plan, and a full service option for employers who prefer to work with one of our third-party administrator(TPA) alliance partners for plan establishment, compliance and administrative support 
  • FULL ADVISOR SUPPORT

     

Account Features - Self-Directed Individual 401(k) Plan     enroll now

  • Over 3000 investments to select from
  • Plan can potentially invest in individual stocks, bonds, mutual funds, alternative investments, Real-Estate Investment Trusts (REITs), and Exchange Traded Funds (ETFs)
  • Brokerage based or Fee based account - contact us for quote as fees vary depending on account balance
  • Fee based account minimum $50,000. Brokerage based account minimum $15,000 
  • No set-up fee
  • Loans available ($50.00 set-up fee, no annual maintenance)
  • Accepts all qualified rollovers,  pre-tax and Roth contributions allowed
  • Consolidate all of your current retirement holdings, include 401(k), 403(b), 457 profit sharing, money purchase, IRA and SEP. 
  • Online access to your account
  • Automated contribution processing
  • FULL ADVISOR SUPPORT 

     

Please consult an advisor at Ward Aguilar Financial, Inc. regarding you options and to help select a program that works best for you and your company.

 

Other Retirement Plans When an Individual 401(k) Isn't Right

SEPs, Simple IRA, IRA,  and Roth IRA are investment programs offered by the same investment companies mentioned above.  We work with all the major fund companies to provide the best in class selection for your retirement accounts.  Fees will vary from company to company.  Once you have completed the form to establish a plan, we will communicate to you in detail your available options and all cost for a plan that is appropriate for your needs.  Fees related to these retirement plans are very low.  We will also review your risk profile to make sure we are recommending a program that best fits your asset allocation, risk tolerance, and financial goals.

Key Benefits

  • Low or no annual fees
  • No start-up fees
  • Broad selection of funds and providers
  • Simple administration and easy to establish
  • Full Advisor Support

 

For retirement plan selection assistance and to request an application package, call Ward Aguilar Financial, Inc. at 1-866-703-2131 or email info@smallbizretirement.com.