Taking Your Retirement Plan to the

NEXT LEVEL

We are facing a national retirement crisis. Employees are retiring without a pension and without enough saved – yet they are living longer. The DOL believes that American workers’ savings efforts have been held back by conflicted advice, which the White House Council of Economic Advisers estimates to cause an average of $17 billion of losses every year. Yes, $17 billion. You need conflict-free advice when deciding whether to take a rollover, where to roll over a distribution, and how to invest it. You also need your employees to engage a fiduciary that will put participants’ interests first.

Saving
Prepare for the future


Investing
Prepare for the future


Account

Easy online access

Future Income Expectations

Mission Statement
We turn traditional wealth management on its head by surrounding each client with a financial board of directors who work as a team to help create, grow and preserve our clients’ total wealth. Because we think it’s time for better wealth management. It’s time for our clients to prevail.

RETIREMENT & WEALTH MANAGEMENT
• Portfolio Analysis & Management
• Retirement Income Projection
• Asset Allocation
• Private Equity Management

There are two types: traditional and Roth 401(k). For Roth accounts, contributions and withdrawals have no impact on income tax. For traditional accounts, contributions may be deducted from taxable income and withdrawals are added to taxable income. There are limits to contributions, rules governing withdrawals and possible penalties. The benefit of the Roth account is from tax-free capital gains. The net benefit of the traditional account is the sum of a possible bonus (or penalty) from withdrawals at tax rates lower (or higher) than at contribution, and the impact on qualification for other income-tested programs from contributions and withdrawals reducing and adding to taxable income, minus the consequences of capital gains being taxed at
regular income rates.

Saving

Set up your Account and Get Started 

Generally, a 401(k) participant may begin to withdraw money from his or her plan after reaching the age of 59+1⁄2 without penalty. The Internal Revenue Code imposes severe restrictions on withdrawals of tax-deferred or Roth contributions while a person remains in service with the company and is under the age of 59+1⁄2. Any withdrawal that is permitted before the age of 59+1⁄2 is subject to an excise tax equal to ten percent of the amount distributed (on top of the ordinary income tax that has to be paid), including withdrawals to pay expenses due to a hardship, except to the extent the distribution does not exceed the amount allowable as a deduction under Internal Revenue Code section 213 to the employee for amounts paid during the taxable year for medical care (determined without regard to whether the employee itemizes deductions for such taxable year).

Create a monthly savings goal. Calculate your estimates and set goals for retirement. Here you can more text will go here. Placeholder for text here where more text will be added and more text also in this area.

Also see model scenarios and adjust your contributions and scale according to your desired future retirement outcomes.

See different model scenarios. Here you can more text will go here. Placeholder for text here where more text will be added and more text also in this area. Also see model scenarios and adjust your contributions and scale according to your desired future retirement outcomes.
Adjust your contributions accordingly. Here you can more text will go here. Placeholder for text here where more text will be added and more text also in this area. Also see model scenarios and adjust your contributions and scale according to your desired future retirement outcomes.
Watch this video on Saving Management
Saving is important. This video explains different parts of your online account that will allow you to manage oarts of your account and make adjustments accordingly.

Investor Life Cycle

Saving for Retirement

Accumulation Phase

Investor accumulates assets. There is a long-time horizon and typically more risk can be tolerated since there is more time to achieve goals and objectives. Often there are short-term needs that must be considered (such as employment changes or purchase of a home).

Consolidation Phase

Wealth often accumulates more rapidly during this phase as an investor’s income typically outpaces expenses. Most large purchases and immediate cash needs have already been addressed. The time horizon until the next phase is getting progressively shorter.

Decumulation Phase

Typically known as retirement, wherein earned income has mostly, if not completely, ended and investment income from accumulated assets is now the primary source to pay living expenses. Risk tolerance tends to be considerably lower as volatility and fluctuations are less desirable.

Get Account Information

Provide your email and sign up for alerts, account information and more.

Create your account, log on and follow these steps for easy access:

   1. Log on and Edit your Profile
   2. Select Plans
   3. Make Your Elections
Making your Life Easier

Simplify your 401k experience by rolling over your accounts from previous employers and more. Easy online access.
One number to call.

   -One Online Statement
   -One Website to Access
   -One Toll Free Number: 1-800-PREVAIL

Choose Your Beneficiaries

Select your beneficiaries with easy online access. Text will go here and more text will go here and text we create can go here. We can create text that will go in this area.

   1. Select your Plan
   2. Choose your Beneficiaries
  

1-800-PREVAIL (773-8245)

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Get the Book Now!

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