Retirement Planning
Wedbush Securities provides comprehensive retirement planning guidance, whether you are just starting to save, nearing retirement, or already retired.
Carefully planning for retirement is now more important than ever. Individuals can no longer rely on Social Security and pension programs to help ensure a comfortable retirement. We offer comprehensive services and resources to help you reach your retirement financial goals.
A Personalized Process
Wedbush’s experienced advisors specialize in a personal and engaging approach to the retirement planning process. Your advisor will work closely with you to define your retirement goals and income needs to develop, implement, and manage an intelligent, disciplined financial plan to help you achieve the results you want.
Discover Needs and Define Goals
Develop and Implement a Customized Plan
Manage and Monitor to Ensure Optimal Results
Featured Retirement Plans:
Qualified vs. Non-Qualified
Let a Wedbush Advisor help you identify the best retirement plan option for your business and employees. As a business owner, it is important to understand the plan options that will help you and your employees save more for retirement and lower taxes. Our Advisors are here to help guide you to the best plan option.
Qualified Plans
Qualified plans, such as 401(k) plans, IRAs, and profit-sharing plans, must meet the standards of the Employee Retirement Income Security Act (ERISA). Non-qualified plans are supplemental benefits on top of those provided by a company’s qualified retirement plans. They are not required to meet ERISA standards regarding eligibility, participation, documentation, and vesting.
Non-Qualified Plans
Non-qualified plans are often used as an added incentive for executives and other highly compensated employees.
Featured Business Plans
401(K) & 403(B)
401(k) and 403(b) are qualified defined-salary contribution plans with a common objective: serving as a retirement savings plan. Wedbush offers many 401(k) and 403(b) plan models to suit the specific needs of all business types.
SEP IRA, SIMPLE IRA & INDIVIDUAL
Wedbush offers a Simplified Employee Pension, a Savings Incentive Match Plan for employees, and Individual K retirement plans designed for small businesses. These programs offer tax-deductible contributions for the employers as well as tax-deferral for the employees.
Other Employee Sponsored Plans (or Other Profit-Sharing Plans)
Wedbush also offers Flexible Profit-Sharing Plans, Flexible Money Purchase Pension Plans, and Combined Profit-Sharing/Money Purchase Pension Plans for businesses that want to maximize flexibility and discretion in cost and contribution levels.
Deferred Executive Compensation Plans
Wedbush offers non-qualified deferred compensation plans for key executives or employees of a company or corporation who wish to defer a portion of their pre-tax salary until retirement or death. These contributions provide tax advantages to both the employer and the employee but are generally less favorable than qualified plans.
Individual Plans
Let a Wedbush Advisor help you identify the best retirement plan option for your individual needs. Individual Retirement Accounts (IRAs) can consist of a range of financial products such as stocks, bonds, or mutual funds. A self-directed IRA is a type of traditional or Roth IRA that allows investors to make investment decisions for their account and affords access to a range of investments, such as real estate, private placements, and tax liens.
Plans For Individuals
Individual Retirement Accounts (IRAs)
Wedbush Securities offers Individual Retirement Accounts that are designed to provide an effective, tax-deductible way to save for retirement. We also offer a broad inventory of IRA investments, each with its own set of rules and tax advantages.
Individual 401(k)
The Wedbush Individual 401(k) plan is unique. Compared to other self-employed retirement plans, greater contributions can be made at identical income levels, which maximizes retirement contributions and valuable tax deductions.
Traditional IRA
With Traditional IRAs, you pay no taxes on your earnings until you begin taking distributions at retirement. In addition, your contributions may be tax-deductible based on your adjusted gross income.
Roth IRA
Contributions to a Roth IRA are made after taxes rather than pre-tax. However, earnings are tax-free if you meet certain criteria.
Rollover IRA
Coverdell Education Savings Account (Education IRA)
Keogh Accounts
Wedbush offers Keogh Accounts, or tax-deferred pension plans, to self-employed individuals or unincorporated businesses for retirement purposes.
Annuities and Insurance
Wedbush Securities provides a full range of annuities, life insurance, long-term care, and disability products through some of the nation’s leading issuers.
Annuities and insurance platforms offer several benefits, including flexibility, taxdeferred growth, estate planning assistance, and fixed or variable retirement income.
Variable Annuities
A variable annuity offers clients a wide range of investment options. Modern variable annuity products provide the opportunity to protect a future income stream while providing a specific death benefit.
Fixed Annuities
A fixed annuity is designed to pay a set interest rate. Once annuitized, clients receive fixed payments for the term of the contract. Clients can select an annuity that provides a predictable stream of income to support their lifestyle and income requirements.
Immediate Annuities
Index Annuities
An index annuity earns interest or provides benefits that are linked to an external equity index such as the S&P 500, Dow Jones Industrial Average, or NASDAQ. The principal investment is protected from losses in the equity market while gains are added to the annuity’s returns.
Note: Annuities are offered by insurance companies and are sold through licensed agents. Annuities are income tax deferred, avoid probate, and can provide income for a specific period.
Featured Business Plans
Term Life Insurance
Variable Universal
Wedbush offers a Simplified Employee Pension, a Savings Incentive Match Plan for employees, and Individual K retirement plans designed for small businesses. These programs offer tax-deductible contributions for the employers as well as tax-deferral for the employees.
Whole Life Insurance
Long-Term Care Insurance
Universal Life Insurance
Wedbush offers non-qualified deferred compensation plans for key executives or employees of a company or corporation who wish to defer a portion of their pre-tax salary until retirement or death. These contributions provide tax advantages to both the employer and the employee but are generally less favorable than qualified plans.
Disability Income Insurance
408(b)(2) Plans
Let Wedbush Securities support your ability to comply with the Department of Labor disclosure regulations. Our advisors can help interpret the rules and regulations to help keep you compliant. Confidential The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that sets minimum standards for most voluntarily established pension and health plans in private industry to provide protection for individuals in these plans.