Retirement Investments Wilmington DE

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 Wilmington, DE that can help answer your questions about Retirement Investments.

Kristofor Behn
Fieldstone Financial Management Group, LLC
(800) 888-5164
The Brandywine Building
Wilmington, DE
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Planning Issues for Business Owners, Financial Issues Between Generations, Estate & Generational Planning Issues, College/Education Planning
Certifications
NAPFA Registered Financial Advisor, BS, CFP®

Burwell Hutchinson
Fischer & Hutchinson Wealth Advisors, LLC
(302) 442-4233
5560 Kirkwood Highway
Wilmington, DE
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Planning Concerns for Corporate Executives, Real Estate Investments, Estate & Generational Planning Issues, Tax Planning
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA

Joan Sharp
Life Strategies, LLC
(302) 324-5363
42 Read's Way, New Castle Corp. Commons
New Castle, DE
Expertises
Helping Clients Identify & Achieve Goals, Newlyweds & Novice Investors, Special Needs Planning, Planning Issues for Unmarried & Same-Sex Couples, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, CAP, CFP®, ChFc, MSFS

Paul Baumbach
Mallard Advisors, LLC
(302) 737-4546
750 Barksdale Road, Suite 3
Newark, DE
Expertises
Ongoing Investment Management, Retirement Planning & Distribution Rules, Socially Responsible Investments
Certifications
NAPFA Registered Financial Advisor, BS, CFA, CFP®, ChFc, MS

Thomas Smedile
Swarthmore Financial Advisors, Ltd.
(610) 892-9922
10 Veterans Square, Second Floor
Media, PA
Expertises
Ongoing Investment Management, Estate & Generational Planning Issues, Retirement Planning & Distribution Rules
Certifications
NAPFA Registered Financial Advisor, CPA/PFS, MST

Donald Nicholson
Donald W Nicholson & Associates, Ltd.
(302) 529-1500
1403 Silverside Road, Suite B
Wilmington, DE
Expertises
Financial Issues Between Generations, Retirement Plan Investment Advice, Retirement Planning & Distribution Rules, Women's Financial Planning Issues, Planning Issues for Business Owners, Helping Clients Identify & Achieve Goals
Certifications
NAPFA Registered Financial Advisor, AAMS, CFP®

Vincent Schiavi
Schiavi + Dattani
(302) 994-4444
2710 Centerville Road, Suite 201
Wilmington, DE
Expertises
Retirement Planning & Distribution Rules, Estate & Generational Planning Issues, Ongoing Investment Management, Planning Concerns for Corporate Executives, Tax Planning
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, CPA/PFS

William Starnes
Mallard Advisors, LLC
(302) 239-1654
1041 Valley Road
Hockessin, DE
Expertises
Ongoing Investment Management, Investment Advice without Ongoing Management, Retirement Planning & Distribution Rules, Tax Planning, Estate & Generational Planning Issues, Planning Issues for Business Owners
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, ChFc, MST

William Heidig
FiscalWise, Inc.
(610) 891-7760
55 State Road, 2nd Floor
Media, PA
Expertises
Retirement Planning & Distribution Rules, Advising Entrepreneurs, Women's Financial Planning Issues, Advising Medical Professionals, Planning Issues for Business Owners, Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, BS, CFP®, MBA

Alan Schapire
Libra Financial Planning
(610) 891-0762
280 N. Providence Road, Suite 100
Media, PA
Expertises
Investment Advice without Ongoing Management, Tax Planning, Hourly Financial Planning Services, Middle Income Client Needs, Retirement Planning & Distribution Rules, Helping Clients Identify & Achieve Goals
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA/PFS, MBA

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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GFOA Annual Conference 2015 - Government Finance Officers Association
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