Why a 401(k)?
Financial experts generally agree 401(k)s are the preferred way to save and help build wealth for your retirement. 401(k) plans are created with unique advantages that can make a real difference in your savings:
High Contribution Limits - A 401(k) enables you to contribute $15.5K per year plus $5K catch-up. If you're self employed, you may contribute $45K per year - higher saving limits than IRAs.
Lower Taxes - You can choose to make your contributions pre-tax and save today, and/or select a Roth 401(k) and let your post-tax contributions grow tax-free
Loans and Hardship Withdrawals - 401(k) contributions can be accessed without penalty with payments and interest paid back to your account. While this can hinder savings growth, there's peace of mind that you can access these monies if you need to get through a tough spot.
Learn More Today or call ShareBuilder Advisors LLC at 800-943-6108.
ShareBuilder Advisors, LLC, a registered investment advisor, is a subsidiary of ShareBuilder Corporation, and is not affiliated with CorpAmerica.
Big Benefits for Small Business!
The exclusive focus of ShareBuilder 401(k) is serving small businesses whether you're self-employed company, a business of a few employees or a company of 50 people. We leverage online technology to strip out costs and hassles, and back it with service. We provide you with licensed 401(k) Consultants and Customer Success Managers to ensure you get the support you need to set-up a smooth running program at your company.
Our services are created to be:
Easy: Simple, streamlined administration saves you time. Set-up your plan in less than 20 minutes.
Affordable: Low-cost plan for any business size. Solo plans start at $15 per month with a one time set-up fee of $145
Smart: Diverse investment options with low-expense ratios enable your money the opportunity to work harder for you over the long-run.
Learn More Today or call us at 1-800-943-6108.
Saving over time not only can help you to retire in comfort, but can also help you realize many more of your life's dreams. And when you consider of starting today versus tomorrow with the unique benefits of a ShareBuilder 401(k), there really is no better time than the present:
The Power of Time - The longer money has time to generate growth and income, the greater the opportunity for it to compound. Just consider that a one-time investment of $1,000 growing at 8% would grow to over $10,000 in 30 years and over $20,000 in 40 years.*
Tax credits - If you have at least one-employee and this is your first 401(k) plan, you will qualify for a tax credit of $500 for your first three years with the plan. And if you match, your business can deduct your company's contributions.
Attract and Retain Employees - To stay competitive in today's environment and get and keep the best folks on your business, a 401(k) program with a simple vesting program can help. It's another piece to letting your employees know you are vested in their success as well as your business.
Get a Free Custom Quote in less than 5 minutes online or call ShareBuilder Advisors LLC at 1-800-943-6108.
*This example shows how a one-time investment of $1,000 can grow over time assuming an 8.0% fixed annual rate of return. Your account may earn more or less. This is a hypothetical example only, and not a guarantee of future returns. Actual experience will vary with portfolio selections and changing market conditions. The total account balance does not take into account federal and state income taxes, which will be due upon withdrawal. Assets withdrawn before age 59 1/2 may incur a 10% tax penalty.
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