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403(b) plans are tax-deferred retirement programs designed for employees of non-profit organizations, such as health-care, educational or religious organizations. We can help non-profits set up a 403(b) plan or simply advise employees on how best to invest the money within their own individual account.
Contributions are made through pre-tax payroll deductions, reducing taxable income. Earnings grow tax-deferred until withdrawal (presumable in retirement), at which time they are taxed as ordinary income.
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.