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DISCLAIMER

Webb Financial Group (WFG) is a registered investment adviser firm offering advisory services in the State of Minnesota and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by WFG in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.


All written content on this site is for information purposes only. Opinions expressed herein are solely those of WFG, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties' informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.

WFG is licensed to sell insurance in the State of Minnesota and may be licensed in others.

Why Consider Professional Investment Management?

STAYING COMPETITIVE. In today's rapidly changing marketplace, it is extremely important for business owners to remain competitive. One of the best ways to maintain this advantage is to hire and retain valuable employees. By providing an employer-sponsored retirement plan, you not only provide your company and employees with potential tax benefits, but also reward your employees for their hard work and encourage long-term employment.

Webb Financial Group works with business owners and self-employed individuals to make it easy to select and administer the most appropriate plan for their business and their personal retirement objectives. We are committed to giving individual attention not only to the business owner but also to each individual employee.

 

Benefits of Employer-Sponsored Retirement Plans

  • One of the few remaining tax shelters available to business owners and self-employed individuals

  • Contributions you make for yourself and your employees are tax deductible

  • Allows and encourages both you and your employees to set aside significant funds where they can grow until needed for retirement

  • Contributions and earnings are tax-deferred until the time participants begin making withdrawals, generally at retirement age

 

Like health insurance, retirement benefits are an integral part of an employee's overall compensation. There are a number of different retirement options available, such as:

 

Pension Plans - (defined benefit, defined contribution, or profit-sharing). Provide employees with a retirement benefit that is payable based on the employee's length of service, salary, and a benefit formula.

401 (k) Plans - Provide employees the opportunity to contribute a percentage of pre-tax salary into a retirement fund. An employer has the option of matching contributions (up to a predetermined percentage and subject to a maximum).

Cash Balance Plans

A cash balance plan is designed to compliment a 401(k) and profit sharing plan. The plan is designed for small business owners to accelerate the amount of money they can save tax-deferred for retirement. Similar to a defined benefit plan, it guarantees benefit at retirement.

Simplified Employee Pensions (SEPs)

These are a common retirement plan option for employers with 100 employees or fewer. In SEPs, employers utilize Individual Retirement Accounts (IRAs) as a way of providing employees with a pension benefit.

Savings Incentive Match Plan for Employees (SIMPLEs)

Like SEPs, SIMPLEs are also designed for employers with 100 or fewer employees, and they utilize either IRAs or 401 (k)s to

provide a retirement benefit for their employees.

Unique Benefits of Our Retirement Plans:

Customized Portfolio Management- You will never again have to wonder if your employees' or your own retirement accounts are diversified with the right investment mix.


Enrollment Meetings & Educational Meetings - Today's market has created a greater need for education. Investment professionals will conduct on-site educational meetings for your employees. Individual employee consultations are available upon request.


Quarterly Newsletter & Market Updates - You and your employees will receive timely and accurate quarterly statements.

Web Site Account Access - Daily account balances and investment changes are available on-line upon request. This saves time and money on administration costs.

Reality: Many people see insurance as an expense. Understanding whats important and why is essential to not having blurred vision

Do I have the right insurance?

How much is enough?