Employer-Sponsored Retirement Plans
EMPLOYER-SPONSORED RETIREMENT PLANS
Investors Brokerage of Texas, Ltd. offers a comprehensive suite of retirement plan services to both for-profit and not-for-profit organizations. Utilizing 401(k), 403(b), SIMPLE IRA and a variety of other custom plan designs, we are well-equipped to provide an effective solution for your organization.
As a fully-independent firm, we have no investment affiliations, nor offer any proprietary products. This enables us to work closely with all industry-leading investment providers and make unbiased recommendations to best suit your needs.
PLAN SPONSOR SERVICES – With the increased responsibility for monitoring plan performance and cost, Plan Sponsors are smart to enlist the services of a highly-qualified professional Retirement Plan Advisor. Our Sponsor services enable employers to mitigate potential liability by outsourcing many of the ongoing plan-related activities for which they are now responsible. We work closely with employer plan fiduciaries in the areas of:
- Plan design review and consultation
- Investment Policy Statement
- Monitor Plan investment performance
- Monitor Plan fees
- Benchmark Plan versus industry
- Document retention
- Conduct new vendor search (if applicable)
- Coordinate Plan conversion (if applicable)
- Analyze impact of new legislation
PARTICIPANT SERVICES
Our pro-active participant services are designed with one goal in mind – to enhance financial outcomes. We place particular emphasis on participant education, delivered in a very user-friendly manner to reduce the stress and fear many participants experience when investing. While our participant services can be highly customized, here are a few of our most popular:
- Coordinate enrollment meetings with eligible employees
- Periodic employee education meetings on a variety of pertinent investment topics
- Guidance on selecting an appropriate retirement path
- Suitable investment allocation
- Consulting and guidance for retiring or terminating employees
WHAT MAKES US DIFFERENT?
When selecting a qualified Retirement Plan Advisor professional, make the RIGHT CHOICE. Please consider that we are…
EXPERIENCED- Over 30 years serving the Retirement Plan Industry
DEVOTED- Qualified Plans are not just a side business for us. We are widely recognized as a Qualified Plan leader in Central Texas.
QUALIFIED- CRC (Certified Retirement Counselor) · RF (Registered Fiduciary)
OBJECTIVE- Our independence affords us the advantage of making recommendations without prejudice. We have no investment affiliations nor offer any proprietary products.
DUALLY-LICENSED- As both a full-service independent broker/dealer AND Registered Investment Advisor firm, we have the flexibility to accommodate the best interests of our customers.
INVOLVED- We are your friends and neighbors. We cherish our local community and support it both financially and through community service.
PROVEN- Our customers enjoy a high degree of plan success. We consistently score among the highest ratings among benefit providers on employee satisfaction surveys.
APPROACHABLE- Saving for retirement doesn’t need to be complicated. We place great emphasis on delivering our message to employees in an effective and meaningful manner.
FUN- We believe the vision of achieving your retirement goals is fun and exciting. What’s your dream? Let’s get there TOGETHER…
Traditional & Roth IRA's
TRADITIONAL and ROTH IRA Accounts
IRA accounts are very popular retirement savings vehicles. But not all types are the same. Consider the difference between the tax benefits provided by the two most common IRA types, the Traditional and Roth IRAs.
TRADITIONAL IRA
Depending upon your eligibility for an employer-sponsored retirement plan (like a 401k Plan) at work, your household income and your tax-filing status, you may be able to deduct the amount of your contribution to a Traditional IRA account. If so, you benefit from the tax deduction immediately by lowering your taxable income.
ROTH IRA
Started on January 1st, 1998 after Congress passed the Taxpayer Relief Act of 1997, the Roth IRA provides an appealing alternative to its cousin, the Traditional IRA. Contributions to a Roth IRA are not tax-deductible. Instead, they offer the opportunity for your investment to grow on a tax-free basis. Your ability to fund a Roth IRA depends upon your income, so not everyone qualifies to participate. If you do, withdrawals after the age of 59-1/2 are completely tax-free (yes, including the earnings), so long as five years have elapsed since making your first Roth contribution to the account.
IRA qualifications and contribution limits change periodically, so please consult the most recent IRS Publication 590 for more information: IRS Publication 590
529 College Savings Plans
529 COLLEGE SAVINGS PLANS
With the rapidly rising cost of college tuition, fees, books, etc, parents and grandparents are looking for effective ways to save for their loved ones’ secondary education. While there are many account types that could be used for this goal, an extremely popular and effective choice is through the use of a Section 529 College Savings Program. Offered by nearly all the most reputable mutual fund companies today, a 529 Plan provides a tax-advantaged method of saving for college expenses.
Contributions may be made by anyone for anyone. Most often funded by parents and grandparents, deposits to a 529 Plan are not tax-deductible. But instead, withdrawals from the account are completely tax-free if used for legitimate college-related expenses.
For more information on 529 Plans, just give us a call. 254-759-3702
CD's
CD’s
Through our clearing firm, Hilltop Securities, Inc, we have access to a wide variety of FDIC-insured CD’s from banks all over the United States and beyond.
Our CD’s can be used in any virtually type of account including IRAs or a personal investment account.
Not happy with your local bank’s interest rates? We can help.
Stocks & Bonds
Exchange-Traded Funds (EFT's)
Government Securities
Comprehensive Financial Plans
Estate Planning
Buy-Sell Agreements
