FFM - Qualified Plans

“Although the social security system now provides the majority of retirement benefits for Americans, it was never intended as the sole source. So overburdened, experts now predict social security will bankrupt itself somewhere around the year 2011. This is why Congress encourages us to save for our own retirement needs. One such opportunity lies in the area of Tax Qualified Pension Plans.”

Mark R. Fielder
President, FFM, LTD.

Defined Contribution Plans & Defined Benefit Plans

In this particular forum we'll focus on the different types of employer sponsored pension and retirement plans and provide you with a BRIEF description of each.

Please know that at Fielder Financial Management, Ltd. we provide and service all types of tax qualified pension plans.

If you have an existing plan and are looking to "upgrade or compare", or if you are looking to establish a new one, we encourage you to contact us for a no obligation analysis and discussion.

As independent retirement planning specialists, we can possibly be an invaluable partner.

Under current law there are two types of qualified pension plans: Defined Contribution Plans and Defined Benefit Plans. The majority of plans today consist of Defined Contribution Plans because they are simpler to administer and represent less risk to the employer.

A Defined Contribution Plan is based on arbitrary or annual contributions made by the employee and sometimes, to a certain extent by the employer. Under such a plan, the participant will be responsible for all investment risk. Today, many plans will allow the participant to self-direct their investments typically among various mutual fund options.

Alphabet Soup

Most company-sponsored or individual pension plans come in the form of one the following. You can review a BRIEF description of each or order more information by clicking on the appropriate links below.

Attention All Employers

If you have an existing company-sponsored pension plan and would like a free analysis
or are considering an upgrade, please click HERE.

Within 2-3 weeks, we'll provide you with a complimentary proposal.

If you are near retirement, ending employment with you current firm or are eligible to rollover and transfer existing pension assets, it often times pays to avoid and delay federal taxation.

This can be done in whole or part, but keep in mind that transfers and rollovers must be done from institution to institution to avoid a mandatory 20% federal withholding tax.

Action To Take

For general information or questions regarding the use of Tax Qualified Pension Plans options, upgrades, or rollovers, please click HERE.

Attention Registered Users

If you have not registered yourself, please do so now. Registered users will be added to our exclusive BROADCAST E-MAIL LIST, which provides periodic electronic communiqués on the subject of new offerings, cutting-edge investing ideas and newly developed estate preservation strategies.

(Please note: your registration information will not be released to any other party without your express written consent)

Securities are offered through Girard Securities, Inc. member FINRA, SIPC.
Mark R. Fielder, Registered Principal. CA. Insurance Lic. # 0690576.