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Retirement Planning

Need more investment choices?

With Americans enjoying longer and more productive retirement than ever, you need an investment portfolio that continues to work for you. But with the enormous amount of information available to today's investor, the big picture can be a little overwhelming. Whether your personal situation requires low volatility liquid assets, or longer term investments with potentially higher returns, it's important to first discuss your options with a trusted financial advisor.

At Superior Financial Services, we can help you sort through all of the clutter, bring your investment goals into focus, and design a portfolio to help you meet them. We stay focused on the one thing that matters most - finding well-managed investments, one at a time, through intensive financial analysis and hands-on research.

401(k) and 403(b) Rollovers

What should you do when you leave an employer for a new job but have a retirement plan you are leaving behind? Although you may take a straight cash distribution or leave your money in your old employer's plan, you could benefit by doing a direct rollover of your retirement savings into an Individual Retirement Account (IRA). IRA's may be invested in many different types of investments, including but not limited to: IRA CDs; IRA mutual funds; IRA annuities; and IRA stocks & bonds.

The same rollover and investment procedures are available with most 403(b) plans as are available with 401(k) rollovers. Many investments, however, are unavailable for 403(b)/TSA plans.

KEOGH

A tax-deferred pension plan available to self-employed individuals or unincorporated businesses for retirement purposes. Also known as HR(10), KEOGH plans can invest in the same set of securities as 401(k)s and IRAs, including stocks, bonds, CDs, annuities.

529 College Savings Plans

Since their creation in 1996, 529 plans have offered investors a tax-advantaged way to save for the rising costs of college. Anyone can contribute to an account and make up to $60,000 worth of contributions per beneficiary in a single year without triggering the federal gift tax. There are no age or time limit requirements for when you can withdraw funds, and any withdrawals can be used to pay for higher education expenses and are exempted from federal income taxes and Ohio state income taxes. Ohio residents may also deduct up to $2,000 in contributions per year per beneficiary from their state taxes.

Trusts offered through MEMBERS Trust. Trust products are not Federally insured, are not obligations of or guaranteed by Superior Trust Services, Superior Wealth Management or Superior Credit Union, and involve investment risks, including possible loss of principal. 

*Securities offered through LPL Financial, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. Superior Credit Union, Superior Wealth Management, and Superior Financial Services are not registered broker/dealers and are not affiliated with LPL Financial.

Not NCUA Insured. Not Credit Union Guaranteed. May Lose Value.

 

Tracy Strous
1205 E. Kibby Street
Lima, OH 45807
419-879-3504
tracy.strous@lpl.com
Joe Reinemeyer
4230 Elida Road
Lima, OH 45807
419-879-4836
joseph.reinemeyer@lpl.com
Jan von der Embse
1381 N. Perry Street
Ottawa, OH 45875
419-879-4841
jan.vonderembse@lpl.com
Timothy Niebel
2857 Blue Jacket Ct
Lima, OH 45806
419-879-4837
timothy.niebel@lpl.com
Richard Brodman
203 N. Sandusky St.
Tiffin OH 44883
419-436-4825
Richard.Brodman@LPL.com
 
 

Check the background of investment professionals associated with this site on FINRA's BrokerCheck.

 
 

 

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