Retirement Accounts & Investments

People in a meetingAdvantis Credit Union Investment Services (offered through CFS*), provides access to a variety of retirement accounts and investments for business owners and employees. Popular retirement savings options for employers include:

  • SEP IRA - The Simplified Employee Pension Individual Retirement Account (SEP IRA) allows self-employed individuals (and some business owners with employees) higher annual contribution limits than with Traditional or Roth IRAs.  A SEP IRA also offers completely discretionary and flexible annual contributions and minimal administration requirements.
  • Solo 401K - Excellent choice for business owners without employees by allowing the highest deductible annual contributions, special loan provisions, and greater flexibility in contribution amounts.
  • SIMPLE IRA - The Savings Incentive Match Plan for Employees (SIMPLE) IRA works well for small business owners with employees. It features lower administration costs and allows employees to contribute part of their compensation pre-tax through an elective deferral. Employers must match on either a dollar for dollar basis up to 3% of compensation or 2% for all employees.
  • 401K - A good option for businesses with several employees that provides employer optional matching and loan provisions.

Get guidance from a financial advisor*

Retirement plans and investment products vary widely. Contact a CFS Financial Advisor at Advantis to get carefully researched guidance on what’s right for you, your business and your employees. Call us today at 503-785-2574 to schedule a free complimentary consultation.

*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.