Retirement Planning Services for Individuals and Business

Retirement planning

Saving for retirement is crucial for your financial stability. Yet, planning properly for that long vacation can be overwhelming. Whether you are still early in your career or just a few years away from retirement, we will help you plan effectively and retire comfortably.

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Why plan for retirement?

You retire from work, but not from your habits, hobbies, and aspirations. Setting your retirement goals, estimating the amount of money you will need, and investing to grow your retirement savings are essential to maintain your lifestyle in your Golden Years.

Maintain comfortable lifestyle

Withstand inflation

Build emergency readiness

Leave a legacy

Enjoy a retirement without financial worry

You deserve the best retirement possible. We serve as a steward for your financial security, guiding you through an investment planning process to ensure you can maintain your lifestyle in pre- and post-retirement.

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How Signet can help you

Retirement planning is a marathon, not a sprint. It takes disciplined saving, spending, and investing. Our team of experts help you or your employees stay on track and make the retirement dream a reality.

Personal retirement planning

Signet has the expertise and tools to develop a plan that meets your retirement goals. We help you make the most of your resources and allocate your assets with careful consideration of tax implications to secure an adequate income for your comfortable future. We figure out a custom mix of investments and account choices just for you to make building your nest egg a lot easier.

We will work with you to answer the questions:

Should you pay cash for your car or lease?

Should you prepay your mortgage or not?

Can you achieve your goals with less risk?

How much money do you need to retire?

When should you retire?

How do you generate enough income?

When to claim Social Security?

How to minimize taxes and protect against inflation?

What is the best way to withdraw your savings?

Retirement planning for business

We help you design, implement and maintain your employer-sponsored plan as an efficient recruitment and retention tool. We offer diverse savings options that allow both tax-deductible contributions and tax-deferred earnings. As your retirement plan partner, we also provide comprehensive consulting to ensure your compliance with ERISA and other related requirements.

Signet retirement planning services include:

Plan development

Investment selection

Asset allocation

ERISA compliance

ERISA 3(21) and 3(38) fiduciary services

Vendor evaluation

Plan performance monitoring

Retirement plan options

There is no wrong way to save for retirement. Still there are different approaches and account types, the choice of which depends on your income, tax bracket, time to retirement, and goals.

401(k)/403(b)

A workplace retirement plan whereby you choose a percentage of your salary to be deposited in your plan account with each paycheck.

Traditional IRA

An Individual Retirement Account where you accumulate earnings on your contributions tax free during your working years.

Roth IRA

A Individual Retirement Account with non-deductible contributions and non-taxable withdrawals after age 59½.

Solo 401(k)

A retirement plan for sole proprietors where you can make both employer and employee contributions in significantly higher amounts.

SEP-IRA

A Simplified Employee Pension IRA for the self-employed that implies high contribution limits, deductible contributions and taxable withdrawals after age 59½.

SIMPLE IRA

A retirement savings option for small businesses with deductible contributions and taxable withdrawals.

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Schedule a free consultation to discuss how we can help you meet your financial goals