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How We Help You; Retirement Plans

Saving for retirement is one of the most essential parts of an individual financial plan.  When you consider the fact that people are living longer and the current Social Security system may not provide you with the retirement lifestyle you want, starting a retirement plan early in life is critical.

Saving for retirement comes in two basic flavors, "tax-qualified" and "non- tax qualified."  A tax-qualified retirement plan simply means that you receive some tax preferences for the money contributed to the plan and the earnings inside the plan grow tax-deferred.  Non-tax qualified retirement plans offer no tax preferences and earnings, dividends, interest and capital gains are generally taxed.  In some instances, an annuity may be used in a non-qualified retirement plan in which case the earnings may grow tax-deferred. 

Individuals may save for retirement either through an individual IRA, Roth IRA or through a company-sponsored retirement plan.  Some companies are still offering a defined benefit plan or pension plan in which the company makes the entire contribution on your behalf.  These "pension plans" are becoming less popular though.  Other types of company, or organization plans, are 401(k)'s, 457's, 403(b)'s, Roth 401(k)'s, and SIMPLE IRA's.  Some of these plans also offer the ability for the company to layer a profit sharing plan on top of the other company-sponsored plans.

To learn more about company retirement plans, please contact Schreier Financial, LLC a registered investment adviser in the State of Oklahoma. (a)

Contact us at 405.720.0333.


Financial Planning and or Investment Management Services are only offered to residents of the State of Oklahoma.


(a) Retirement plan services are offered through Schreier Financial, LLC a registered investment adviser in the State of Oklahoma.  Retirement Plan Services are only provided in the State of Oklahoma.   Registration as an investment adviser does not constitute an endorsement of the firm by securities regulators nor does it indicate that the adviser has attained a particular level of skill or ability.

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