Have you considered offering a retirement plan to your employees? 401(k) plans can be one of the most effective ways to help you – and your employees – create a reliable stream of income for retirement. In fact, they are the plan of choice for many employers across the nation. When you create your plan through our partnership with UVEST Financial Services*,  you'll work with highly experienced Investment Representatives who are among the best in the business. Call us today at 518-862-1955 or e-mail Call us at 518-862-1955, or email sefcu@uvestmail.com  < to learn more about these important 401(k) advantages:

• Optional employer match. Employees designate a percentage of each paycheck, up to a maximum amount, to go into the plan. You decide whether you will match a percentage of – or all – employee contributions.
• Tax-deferred growth. Both employee and employer contributions grow tax-deferred, so no taxes are paid until funds are withdrawn.
• Diversified investment options. Employees choose where to invest their 401(k) funds within a portfolio of mutual fund accounts.
• “Catch up" provision. The IRS lets qualified employees over age 50 contribute additional money, since they have a more limited amount of time to accumulate funds for retirement.
• Portability. Your employees will enjoy the comfort of knowing that their 401(k) assets can move with them if they change jobs. Employees who join your company can move their accumulated funds to your plan.