Retirement Investments Miami FL

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 Miami, FL that can help answer your questions about Retirement Investments.

Catherina Pareto
Cathy Pareto and Associates, Inc.
(305) 648-9814
2030 South Douglas Road, Suite 215
Coral Gables, FL
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, Divorce Planning, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Data Provided by:
Francis Armstrong
Investor Solutions, Inc.
(305) 443-3339
3250 Mary Street, Suite 207
Coconut Grove, FL
Expertises
Ongoing Investment Management, Retirement Plan Investment Advice, Charitable Giving - Trusts & Foundations, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, AIFA, CFP®, CLU

Data Provided by:
Lydia Sheckels
Wescott Financial Advisory Group LLC
(305) 960-2357
200 South Biscayne Blvd., Suite 3400
Miami, FL
Expertises
Estate & Generational Planning Issues, Financial Issues Between Generations, Ongoing Investment Management, Retirement Planning & Distribution Rules, Tax Planning
Certifications
NAPFA Registered Financial Advisor, BA, CFP®, ChFc, CLU

Data Provided by:
Bonnie Sewell
American Capital Planning, LLC
(703) 579-7031
9100 S. Dadeland Blvd.
Miami, FL
Expertises
Ongoing Investment Management, Women's Financial Planning Issues, Retirement Planning & Distribution Rules, Planning Issues for Business Owners, Advising Entrepreneurs, Divorce Planning
Certifications
NAPFA Registered Financial Advisor, AIF, CFP®

Data Provided by:
Eric Weiss
Brightscape Investment Centers
(305) 233-6222
7241 SW 168th Street
Miami, FL
Expertises
Ongoing Investment Management, Retirement Plan Investment Advice, Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, Planning Issues for Business Owners, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, AIF, CFP®, MA, MBA

Data Provided by:
William Neubauer
Comprehensive Money Management Services, LLC
(305) 662-7757
535 Vilabella Avenue
Coral Gables, FL
Expertises
Middle Income Client Needs, High Net Worth Client Needs, Planning Issues for Unmarried & Same-Sex Couples, Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Data Provided by:
Brian Rezny
Rezny Wealth Management, Ltd.
(800) 618-8577
4000 Ponce de Leon Blvd.
Coral Gables, FL
Expertises
High Net Worth Client Needs, Retirement Planning & Distribution Rules, Retirement Plan Investment Advice
Certifications
NAPFA Registered Financial Advisor, CFP®

Data Provided by:
Karl Schwartz
Hewins Financial Advisors, LLC
(305) 358-8349
801 Brickwell Avenue, Suite 2350
Miami, FL
Expertises
High Net Worth Client Needs, Retirement Planning & Distribution Rules, Advising Medical Professionals, Planning Issues for Business Owners, Hourly Financial Planning Services, Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA

Data Provided by:
Daniel Elie
DAGEL Financial, Inc.
(305) 271-9399
14723 SW 132nd Avenue
Miami, FL
Expertises
Cash Flow/Budgets/Credit Issues, Divorce Planning, College/Education Planning, Middle Income Client Needs, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CDFA, CFP®, LLM, MBA

Data Provided by:
Joel Bruckenstein
Global Financial Advisors, Inc.
(954) 885-1900
PO Box 277930
Miramar, FL
Expertises
Ongoing Investment Management, Middle Income Client Needs, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CFP®, CFS, CMFC

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

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