For Employers
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Niche Financial Services provides retirement plan consulting services to assist employers in deciding the most appropriate plan for their company’s situation. Pensions, Profit Sharing Plans, Simple IRA’s, Simplified Employee Pensions, 401k Plans, and Individual Retirement Accounts are some of the options we assist with which may be a fit for a business.

One of the most popular options is a 401k plan.

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Would you like a formal proposal or bench marking study to see if you can improve your plan?

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Call: 610-941-6900

401 k plansFor Employees

Taking full advantage of your 401k plan today can help you achieve your financial goals sooner. A good retirement plan will provide income  and assist you in a comfortable retirement. More than likely, Social Security checks alone will not be enough to maintain the standard of living to which you now enjoy. If you are lucky, your employer offers a 401k plan. If used wisely and to the fullest advantage, a 401k will provide you with additional income for your golden years.

401k plans differ greatly depending on the employer who determines the plan designs. The only way to get the most out of the plan is to get to know the plan and make educated choices.

Things you should consider:

-What is the maximum percentage of your salary you are able to comfortably contribute?

-Is your employer matching the contributions? If yes, what is your minimum contribution, before your employer’s contribution starts, and what is the maximum?

-What are the number of years you have to be with the company to keep employer’s contributions to your 401k account?

-How often can you switch among available investment options?

-When do you get your account statements?

-What methods can you use to access the account? By phone, on the Internet or only in writing?

-Did you spread your money among different investments to reduce the risk?

401k plans are not insured by the federal government. Investments are a risk. Diversify your investments by investing in different types of assets. To find out more about 401k investment options, ask your plan administrator or plan investment personnel.

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