Retirement

SEP IRAs

A SEP IRA is a type of plan under which the employer contributes (up to a certain limit) to an employee’s IRA.

SIMPLE IRAs

The SIMPLE plan may appeal to small biz owners as it is easy to set up, administer, and allows for a tax deduction.

IRA Rollover

If you leave a job or retire, you should consider your options regarding your employer retirement plan assets.

Roth 401(k)

A Roth 401k is funded w/after-tax money, allows for tax- and penalty-free withdrawal of earnings if req are met.

Profit-Sharing Plans

Profit-sharing plans give employees a share in the profits of a company and can help to fund their retirements.

Money Purchase Pension Plans

A money purchase plan is a retirement plan where employer contributions are based on a fixed % of compensation.

403(b) Plans

A 403(b) plan is a tax-deferred retirement savings plan that can only be offered by a 501(c)(3) tax-exempt entity.

Why Purchase Annuities

Annuities, an insurance-based financial vehicle, can provide many benefits that retirement investors might want.

RAMOS helping small business

We feel strongly that our emphasis should remain on investment management, we have partnered with trusted service professionals to provide independent advice in other areas.