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Business Retirement

Whether you’re self-employed and preparing for what comes next or a small business owner looking to provide retirement benefits, you’ve got options. We’ll help you find the plan that’s best for you and your employees. 

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Simplified Employee Pension (SEP) IRA

A SEP is a tax-deferred retirement plan for small business owners or self-employed individuals. Small business owners may also offer an employee SEP plan, providing contributions to employee SEP IRA accounts. 

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403(b) Plan Account

  • Employer-sponsored retirement plan for certain employees of public schools, tax exempt organizations, and churches.
  • Roth 403(b) available.
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401(k) Plan Accounts (individual and Roth)

  • 401(k) plan accounts let employees defer a percentage of pre-tax income each pay period. 
  • Earnings grow tax-deferred. 
  • Contributions to Roth 401(k) plan accounts are taxable in the year they’re made. 
  • When distributions begin, they’re taxed at the employee’s ordinary income tax rate. 

Resources

Medicare 101: Your Questions Answered

The world of Medicare is complex and can feel overwhelming. It helps to hear from those who live in it—and to start with the basics.

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Plan For Retirement, Especially In Your 20s

Learn how to plan for retirement at an early age. The sooner you get into the habit of saving for retirement, the more time your money has to grow.

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Estimating Your Retirement Income Needs

The simple advice is to set your retirement income as a percentage of your current income. But that approach doesn't account for your specific plans.

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5 Steps to Getting a Small Business Loan

The process of applying for a small-business loan can be confusing, but we’re here to help guide you through the process. Here are the five steps to getting a small business loan.

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* Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. SELCO Community Credit Union and SELCO Investment & Retirement Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using SELCO Investment & Retirement Services, and may also be employees of SELCO Community Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, SELCO Community Credit Union and SELCO Investment & Retirement Services. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency Not Credit Union Guaranteed Not Credit Union Deposits or Obligations May Lose Value

SELCO Community Credit Union (“SELCO") provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay SELCO for these referrals. This creates an incentive for SELCO to make these referrals, resulting in a conflict of interest. SELCO is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.