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Skip Navigation LinksHome > Business Services > Investing & Brokerage > Retirement Plans

Retirement Plans

Increase your firm’s ability to attract and retain top professionals with a competitive employee retirement plan from Signature Securities Group. Your Signature Securities Financial Advisor will not only work with you to determine the best plan for your business, but will also follow-up on implementation by providing employee education materials to encourage participation. Advisors will meet with individuals or employee groups to facilitate participation and answer questions as appropriate.

  Simplified Employee Pension Plan (SEP IRA)

Consider the SEP IRA plan if you have a small number of employees and are interested in a low cost/low maintenance employee benefit offering. SEP IRAs are funded with tax-deductible employer contributions that need not be made every year. Employee contributions are not allowed and all eligible employees must be covered.

  Savings Incentive Match Plan for Employees (SIMPLE IRA)

SIMPLE IRAs promote greater employee participation because they begin with an employee contribution and have a plan-mandated employer match. Annual contributions are generally limited to a fixed amount plus an employer matching contribution of up to a certain percentage of employee salary.

  Profit Sharing Plans

Grant employees a vested interest in the success of your business through a profit sharing plan. Annual contributions are determined by the employer and can vary from year to year based on the company’s performance. With assistance from your Signature Securities Financial Advisor you will be able to select appropriate vesting schedules and secure the right administrator for your specific plan style and reporting needs.

Read more about profit sharing & 401k plans

  401k Plans

Signature Securities provides a complete 401k solution for businesses that typically have over 25 employees. We bundle record-keeping, trustee, and investment services together for you while allowing for voluntary employee salary deferral contributions, employer matching, and discretionary profit sharing contributions with vesting schedules. Signature Securities offers mutual fund investment options from leading financial institutions such as Alliance, Fidelity Advisor, Franklin Templeton, and Oppenheimer. You may obtain a prospectus from your Financial Advisor regarding any funds discussed.

Read more about profit sharing & 401k plans

  Defined Benefit Plans

An alternative to the options above, defined benefit plans are a sound solution for certain businesses and their principals, particularly those looking to retire in the next 10 years and who may be behind in their retirement savings preparation. Speak to your Signature Securities Financial Advisor to determine if this plan is applicable to your needs. The advantage of defined benefit plans is that you can contribute as much as is needed to give you an annual retirement payout of $180,000 or 100% of the average of your three highest consecutive pay years. It should be noted that the plans are not very flexible once implemented. For example, contributions are not optional.

To learn more about the specifics of each plan type and how they can meet your Employee Retirement planning objectives, please contact your Signature Securities Financial Advisor today.

For additional details on the structure of any of these plans, please read Publication 560.

Neither Signature Securities Group nor its employees or agents provide tax or legal advice. You must consult your tax and legal advisors regarding your personal circumstances.

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