Retirement Planning

Plan for piece of mind in retirement

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At Legacy Funding, we understand the importance of securing your financial future, whether you’re an individual planning for retirement or a small business owner looking to provide retirement benefits for your employees. With our comprehensive range of retirement planning services, we tailor solutions to suit your unique needs and goals.

Individual Retirement Planning

For individuals, Legacy Funding offers a diverse selection of retirement accounts designed to maximize savings and tax advantages. Our offerings include:

  • IRA (Individual Retirement Account): A traditional IRA allows you to contribute pre-tax income, potentially lowering your taxable income and providing tax-deferred growth until retirement.
  • Roth IRA: With a Roth IRA, you contribute after-tax income, but withdrawals in retirement are tax-free, offering valuable tax diversification in retirement.
  • 403(b): Commonly utilized by employees of non-profit organizations and public schools, a 403(b) plan offers tax-deferred growth and optional employer contributions.
  • 457(b): Available to certain government and non-governmental employees, a 457(b) plan offers tax-deferred growth and flexible contribution limits.

Small Business Retirement Planning

For small businesses, offering retirement benefits can be a key component of attracting and retaining top talent. Legacy Funding provides a range of retirement plans tailored to meet the needs of small businesses, including:

  • SIMPLE IRA (Savings Incentive Match Plan for Employees): Tax advantaged plans for businesses with fewer than 100 employees, a SIMPLE IRA offers both employer and employee contributions with simplified administration.
  • SEP IRA (Simplified Employee Pension IRA): Ideal for self-employed individuals and small businesses, a SEP IRA offers higher contribution limits than most plans and easy administration.
  • Payroll Deducted IRA: An easy and cost-effective retirement savings option, allowing employees to contribute directly from their paycheck to an IRA.
  • 401(k): One of the most popular retirement plans for businesses of all sizes, a 401(k) allows for both employee and employer contributions, with potential for matching contributions and tax advantages.

Why Choose Legacy Funding?

With Legacy Funding, you can trust that your retirement planning needs are in expert hands. Our team of financial advisors works closely with each client to develop personalized strategies aimed at achieving long-term financial security. Whether you’re an individual investor or a small business owner, let Legacy Funding help you navigate the path to a secure and prosperous retirement.

Contact us today to learn more about our retirement planning services and start building your legacy for the future.