Find the retirement solution that s right for your business and employees

Transcription

1 RETIREMENT SOLUTIONS FOR BUSINESSES Find the retirement solution that s right for your business and employees Understand the options available through UnionBanc Investment Services 1.

2 As a business owner, the day-to-day demands of your business may take your focus away from retirement planning. If you want to ensure success, you need to ask yourself some fundamental questions about your retirement plan. Do your employees feel compelled to participate? Ask around the water cooler. Chances are you ll find that your employees your most valuable asset are not taking advantage of the retirement savings you are offering. Are participating employees deferring enough of their salaries to be prepared for retirement? Many Americans don t have even a rough idea of what it will cost to live in retirement. Chances are some of your employees fall into the same category. Providing integrated advice and retirement solutions for small business owners is one of UnionBanc Investment Services specialties. We can leverage our retirement plan experience to offer a wide range of retirement solutions for you and your employees. A UnionBanc Investment Services Financial Advisor can help you structure a comprehensive retirement solution that fits your individual business needs. Working with UnionBanc Investment Services will also provide you with the investment experience and asset allocation models to help you and your employees work towards your financial goals.

3 SEP and SIMPLE IRA Profit-Sharing and Money Purchase Plans 2 These plans may be right for you if you need: Funded entirely by employer contributions, profit-sharing and money purchase plans allow employers to contribute up to 25% of eligible compensation. 401(k) and Defined Benefit Plans This plan may be right for you if you need: Participants in a defined benefit plan may receive benefits that exceed those offered by other retirement plans, such as 401(k) and defined contribution plans. 2 UNIONBANC INVESTMENT SERVICES R ETIREMENT SOLU TIONS FOR B U SINESS OWNERS AND EMPLOYEES 3

4 UnionBanc Investment Services can help you determine which retirement plan fits your needs. Disclosures 1 Investments available through UnionBanc Investment Services LLC, a registered broker-dealer, investment advisor, member FINRA/SIPC, and subsidiary of Union Bank, N.A.: Are NOT insured by the FDIC or by any other federal government agency Are NOT bank deposits Are NOT guaranteed by the Bank or any Bank Affiliate MAY lose value 2 UnionBanc Investment Services and Union Bank provide plan sponsors with access to third party vendors who provide Money Purchase, Profit Sharing, and 401(k) participant record keeping services, investments, plan documents and employee communications in support of Small Business 401(k) Retirement Plans. These vendors are separate legal entities, which are not affiliated with Union Bank or UnionBanc Investment Services in any way by common ownership, management, control, or otherwise. The content, availability, and processing accuracy of their web sites and products are the responsibility of each respective company. Neither Union Bank nor UnionBanc Investment Services makes any representations or warranties as to the suitability, performance, accuracy, completeness or timeliness of the information provided, including any information provided by third parties. 3 Tax advantages vary depending on your financial situation. Consult your attorney or tax advisor.

5 To learn more about the retirement solutions available to you through UnionBanc Investment Services, contact your Financial Advisor directly or call Client Services at Call unionbank.com/invest Stop by the Investment Center at your local branch 2009 Union Bank, N.A. unionbank.com (01/10)