You don’t have to be a big company to reap the benefits of a 401(k) retirement plan. Through our partnership with >UVEST Financial Services*, SEFCU offers access to “Individual 401(k) plans” that are specifically designed for owner-only businesses and companies with very few employees. To learn more about how an Individual 401(k) plan can benefit you, call our Investment Representatives today at 518-862-1955 or 800-727-3328 (outside the 518 area code) or e-mail sefcu@uvestmail.com. You’ve worked hard to create your business – let SEFCU ensure that you maximize the benefits it offers you now and down the road.
Not only do Individual 401(k) plans offer tax-deferred growth, they also provide:
- Higher contribution limits. Compared with other retirement plans, Individual 401(k) plans may allow you to make greater contributions at identical income levels, thereby maximizing retirement contributions and tax deductions.
- Flexible contribution amounts. You can increase or decrease contributions each year, depending on the profitability of your business. For the most part, it’s up to you.
- Affordable start-up and maintenance costs. An Individual 401(k) plan is easy and inexpensive to maintain.
Asset consolidation. You can consolidate all of your retirement assets— from IRAs, SEP plans, 401(k) plans, SIMPLE IRAs, Defined Benefit Plans, 403(b) plans, and Rollover IRAs – into your Individual 401(k) account.
401(k) plans are the retirement plan of choice for many employers nationwide. Call SEFCU today – and start seeing for yourself how a plan tailored to meet your individual needs can benefit you and your business.
*Securities are offered by, and Investment Consultants are registered with, UVEST Financial Services, member FINRA/SIPC. UVEST is independent of any financial institution.
| Not NCUA Insured |
Not Credit Union Guaranteed |
May Lose Value |
| Not Guaranteed by any Government Agency |
Not a Credit Union Deposit |