RETIREMENT PLANNING
Retirement isn’t just about stopping work - it’s about creating the freedom to live the life you’ve envisioned. At ReyMar Wealth Management, we help you design a retirement strategy that provides stability, income, and confidence for the years ahead. By blending tax-advantaged plans, diversified investment options, and personalized strategies, we ensure your retirement plan is as unique as you are.
INDIVIDUAL 401(k) PLANS
For business owners and self-employed individuals, Individual 401(k) plans offer high contribution limits and flexibility. They’re an excellent way to save aggressively for retirement while also benefiting from tax advantages.
403(b) PLANS
Often available to employees of schools, nonprofits, and certain government organizations, 403(b) plans provide a straightforward way to build retirement savings with pre-tax contributions and potential employer matches.
457 PLANS
Designed for government and some nonprofit employees, 457 plans allow for tax-deferred contributions and often include flexible withdrawal options, making them a powerful tool for public sector professionals.
IRA (INDIVIDUAL RETIREMENT ACCOUNT)
A traditional IRA is a versatile option that allows you to contribute pre-tax dollars, with earnings growing tax-deferred until retirement. It’s an essential building block for many retirement strategies.
IRA BDA (BENEFICIARY DISTRIBUTION ACCOUNT)
For those inheriting an IRA, a Beneficiary Distribution Account (IRA BDA) helps manage required withdrawals while preserving tax advantages. We guide you through the rules and help structure distributions in a way that aligns with your financial goals.
ROTH IRA
Roth IRAs are funded with after-tax dollars, allowing for tax-free growth and withdrawals in retirement. They’re ideal for clients who want to minimize tax burdens later in life.
SEP (SIMPLIFIED EMPLOYEE PENSION)
SEP IRAs are designed for small business owners and self-employed professionals who want an easy, flexible retirement savings option with high contribution limits.
SIMPLE IRA
The SIMPLE IRA offers small businesses and employees a straightforward way to save for retirement with lower administrative costs compared to traditional 401(k) plans.
PROFIT SHARING PLANS
Profit sharing plans give employers the ability to contribute to employees’ retirement savings based on company profits. They can be a valuable incentive tool and a tax-efficient way to reward long-term loyalty.