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401(k) plans are generally used by larger companies with 25 or more employees. Employees make pre-tax contributions to self-directed accounts each payroll period, and employers have the option of matching a portion.
Employee contributions are made with pre-tax money, reducing the amount of tax due from each paycheck. In addition, all employer contributions and earnings grow tax-deferred until withdrawal.
Securities and insurance products are offered through Cetera Investments Services LLC, Member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: *Not FDIC insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency. Advisory services may only be offered by Investment Adviser Representatives.For a comprehensive review of your personal situation, always consult with a tax or legal Advisor. Neither Cetera, nor any of its representatives may give legal or tax advice. Advisory services may only be offered by Investment Adviser Representatives.