Retirement Investments Boise ID

This page provides relevant content and local businesses that can help with your search for information on Retirement Investments. You will find informative articles about Retirement Investments, including "Investing Retirement Funds in a Business or Franchise". Below you will also find local businesses that may provide the products or services you are looking for. Please scroll down to find the local resources in Boise, ID that can help answer your questions about Retirement Investments.

Carey McNeal
Buffington Mohr McNeal
(208) 338-5551
802 West Bannock Street, Suite 100
Boise, ID
Expertises
Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, High Net Worth Client Needs, Estate & Generational Planning Issues, Planning Concerns for Corporate Executives, Advising Medical Professionals
Certifications
NAPFA Registered Financial Advisor

Data Provided by:
Michael Ling
Berkeley Inc.
(208) 853-6980
3778 Plantation River Drive, Suite 102
Boise, ID
Expertises
Ongoing Investment Management, Helping Clients Identify & Achieve Goals, Planning Concerns for Corporate Executives, College/Education Planning
Certifications
NAPFA Registered Financial Advisor, CFP®

Data Provided by:
Debbra Dillon
Dillon Financial Planning
(208) 336-7503
1159 E Iron Eagle Drive, Ste. 170-C
Eagle, ID
Expertises
Middle Income Client Needs, Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, Newlyweds & Novice Investors
Certifications
NAPFA Registered Financial Advisor, CFP®

Data Provided by:
Stephen Michael Kovach, CFP®
(208) 395-2393
105 N 9th St
Boise, ID
Firm
Charles Schwab
Areas of Specialization
Asset Allocation, Banking, Charitable Giving, Comprehensive Financial Planning, Education Planning, Estate Planning, Investment Management
Key Considerations
Average Net Worth: $500,001 - $1,000,000

Average Income: Not Applicable

Profession: Not Applicable

Data Provided by:
Mr. Donald L. Reiman, CFP®
(208) 345-9944
2600 Rose Hill St.
Boise, ID
Firm
Echelon Group
Areas of Specialization
Asset Allocation, Budget Development, Business Succession Planning, Charitable Giving, Comprehensive Financial Planning, Divorce Issues, Education Planning

Data Provided by:
Eric Rabbanian
Rabbanian Financial Planning, Inc.
(208) 495-3249
1818 E Spring Meadow Lane
Boise, ID
Expertises
Helping Clients Identify & Achieve Goals, Ongoing Investment Management, Cash Flow/Budgets/Credit Issues, Planning Issues for Business Owners, Socially Responsible Investments, Divorce Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, JD, MBA

Data Provided by:
Katherine Stearns
Arc Advisers, LLC
(208) 350-6557
P.O. Box 488
Boise, ID
Expertises
Socially Responsible Investments, Middle Income Client Needs, Planning Issues for Unmarried & Same-Sex Couples, Women's Financial Planning Issues, Ongoing Investment Management, Helping Clients Identify & Achieve Goals
Certifications
NAPFA Registered Financial Advisor, AIF, CFP®

Data Provided by:
Mr. Patrick Mckeown, CFP®
(208) 367-0209
412 E Parkcenter Blvd Ste 209
Boise, ID
Firm
Ameriprise Financial Services
Areas of Specialization
Asset Allocation, Comprehensive Financial Planning, Investment Planning, Long-Term Care, Retirement Income Management, Retirement Planning

Data Provided by:
Mr. Richard K. Boss, CFP®
(208) 629-2349
950 W Bannock St
Boise, ID
Firm
Table Rock Financial Planning
Areas of Specialization
General Financial Planning, Investment Management, Retirement Planning

Data Provided by:
Mrs. Jeri J Nutt, CFP®
(208) 367-0233
412 E Parkcenter Blvd
Boise, ID
Firm
Ameriprise Financial

Data Provided by:
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Investing Retirement Funds in a Business or Franchise

retirement funds small business
Growing numbers of small business and franchise entrepreneurs are discovering that their retirement assets can be diversified into investments outside of the stock market. They’re finding that, through a vehicle commonly referred to as Rollover as Business Start-ups (ROBS), they are allowed to legally invest 401(k) money in their own small business without taking a taxable distribution or getting a loan. It’s estimated that in 2010, more than 4,000 individuals will become entrepreneurs by investing their existing retirement assets into a business – and in turn – will create more than 25,000 jobs.

Entrepreneurs who work with expert companies to correctly complete a private investment in their own company often cite this “investment in oneself” as especially attractive since they wholeheartedly believe in their ability to open, operate and successfully lead a business. Another reason this type of transaction is attractive to an entrepreneur is because they can invest in their business without getting a loan. This means that the new business can reinvest the initial cash flow into the business instead of sending it off to a bank in the form of interest payments. It is reasonable to assume that a business that is not servicing high interest loans has a shorter “runway” to reach profitability. Guidant Financial reports that its clients are 63% more likely to succeed than other traditional business owners.

ROBS transactions generally involve four or five steps which, although complex, can potentially be completed in less than three weeks. The process generally includes the following steps:

  1. A new business entity, a C corporation is formed on the client’s behalf
  2. The client then rolls up to 100% of their eligible retirement funds into a newly created 401(k) plan;
  3. This plan, in turn, invests in the stock of the new corporation;
  4. The corporation, now flush with funds and free of debt acquires a small business or franchise.

There are many reasons that an entrepreneur would choose to invest in their own business. Reasons may include, but are not limited to:

  • They believe a small business they own and control is the best investment for their retirement plan.
  • They receive a debt-free equity injection into the enterprise;
  • They can provide their employees (including them) with a 401(k) plan, a benefit rarely seen in American small business today

The legal requirements for establishing and operating 401(k) plans were created under the Employee and Retirement Income Security Act (ERISA), which identifies the guidelines for 401(k) plan investments. These 401(k) plans, also called pension plans, are carefully protected by the IRS and DOL, so all transactions involving them need to ultimately benefit of the plan.

ROBS transactions are increasing in popularity, especially in a financial climate unfriendly to borrowers. Yet they’re still misunderstood by far too many...

Click here to read the rest of this article from NuWire Investor