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Atlanta Office

1200 Ashwood Parkway
Suite 140
Atlanta, GA 30338

Retirement Planning

What is an Individual Retirement Account?

Investment Retirement Accounts are investing tools created to help you set money aside for retirement. These plans will usually offer you tax advantages, in either tax-deferred or tax-free growth.

An IRA is a great option whenever your employer does not offer a retirement plan or if you're trying to save money after maxing out your 401(k). Each plan has its own limits and restrictions. Ask us about the right plan for you!


What are my options?

  • Traditional IRA's
  • Roth IRA's
  • Individual 401k


What are Employer-Sponsored Plans?

An employer sponsored plan is a benefit usually offered at little to no cost. It usually comes in the way of health care plans or retirement savings plans. These plans offer unique benefits to both an employer and employee.

Employers will usually benefit from tax deductions, tax-free growth, reduced costs, and higher employee retentions.

Employees usually benefit from reduced taxable income, easy contributions, compounding interest, and improved financial security in retirement.


What are my options?

  • SEP IRA (Simplified Employer Plan)
  • Simple IRA (Savings Incentive Match plans)
  • 401(k) Profit Sharing 
  • Other plan designs such as defined benefit plans

ERISA Protection From Creditors

Qualified retirement plans will normally receive special protection from creditors under ERISA. However, IRA Plans (SEP or SIMPLE) do not have the same level of protection from creditors.

How can we help this situation?

  • Prudent Man Rule
  • Reasonable Plan Expenses (Fee Disclosures for all Parties)
  • Keep your plan document and filings up-to-date
  • Special care handling employee funds