IBC Investments: Business Investors

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Business Investors

IBC Investments provides business owners with investment products and financial services designed to grow and preserve your assets.

An important tool in attracting and retaining key employees is the availability of a retirement plan.

Based on your particular business, we can help you choose from various types of qualified retirement plans, including:

Full service 401(k)
SEP IRAs
Simple 401(k) and IRAs
Profit Sharing Plan
Money Purchase Plan
Defined Benefit Plan 412(i)

401Ks

The 401k retirement plan is a trust in which employees are allowed to contribute a portion of their compensation before paying taxes. Some employers also provide participants with matching funds to the employee's account as part of their benefits package, in turn attracting and keeping key employees. 401ks are widely regarded as an excellent financial tool and means of building retirement assets, benefiting the employee as well as the employer in many ways.

SEP IRAs

Simplified employee plans (SEPs) are just what they imply. These plans do not have the administrative requirements of other retirement plans, yet provide attractive benefits to employees including pre-tax contributions.

Simple IRAs

Smaller employers are able to provide retirement benefits to their employees with less administrative paperwork through Simple IRAs. Your employees make tax-deffered contributions via salary reductions and employers can benefit from tax deductible contributions as well.

Pension Plans

If you're self-employed or you run a small business or professional practice, IBC Investments can help you create a cost-effective plan suited for employers seeking to allow larger employer contributions favoring older, higher compensated employees.

Profit Sharing

Employer contributions to profit sharing plans are discretionary and are typically based on the earnings of the business as the name implies. Employees are not allowed to contribute to profit sharing plans.

Defined Benefit Plan 412(i)

Businesses may want to use a defined benefit pension plan (412i) if they are a smaller firm with older, higher paid employees who are owners or shareholders. If there is not much time to build a substantial retirement fund for key employees (including owners) and the company has the financial ability to fund the plan, a defined benefit plan is often a good choice.

Key Employee Insurance

Key employee life insurance helps reimburse a business for economic loss that occurs when a key employee dies. The insurance covers the life of an employee who is critical to the success and profitability of the business. Key employee life insurance is not a specific type of policy, but is a way to use life insurance to offset a business risk.

Business Continuation Planning

Having confidence in the ongoing vitality of the business in the eyes of customers, creditors and employees takes careful planning. With proper planning, business owners can assure orderly and successful transition in business ownership following an owner's death, a fair price for the business interest and terms of sale that are reasonable to all parties, a set value for the business interest for estate tax purposes, which can help to avoid estate settlement delays and IRS challenges.

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This website is only intended for residents of states in which we are securities registered (AR, KS, CA, CO, FL, GA, KS, MO, OK, TX, VA) or insurance registered (AR, OK, KS, TX). This is not a solicitation to buy and/or sell securities or insurance products. IBC Investments is a registered broker-dealer, member FINRA and SIPC

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