Risk & Business Magazine General Insurance Services Magazine | Page 29

SAVING FOR RETIREMENT So how do you know that you and your employees are maximizing your retirement plan and it’s features? Did you know that many 401k and 403b plans have a ROTH contribution option? Does your plan? What are your annual costs as an individual or as a plan sponsor/employer? How do those costs compare with what is available in the marketplace today? Do you have high quality investments available in the plan? Has your current Financial Advisor helped you fulfill your fiduciary responsibility as a plan sponsor to evaluate your plan and the investment options in the last 5 years? Are they actively making themselves available to meet with you and your employees? Are they bringing you recommendations to optimize the plan itself and improve employee participation? If not, let’s talk. Like your insurance coverages, it is important that you evaluate or “shop” your retirement plan periodically to know that you are taking good care of yourself and your employees as you assist them in securing their financial future. This is good for you, for them, their families and for the communities where we all live as we seek to produce spendable income in retirement. Daniel Todd is a Registered Representative and Investment Adviser Representative of securities and investment advisory services offered through Equity Services, Inc. Member FINRA/SIPC, 550 Polaris Parkway, Suite 550, Westerville, OH 43082, [phone], a Broker/Dealer affiliate of National Life Insurance Company (NLIC), Montpelier, Vermont. National Life Group® is a trade name of NLIC and its affiliates. General Insurance Services, Inc. is independent of the companies of National Life Group. Health Insurance is not underwritten nor issued by National Life Insurance Company and is offered under independent contracts with insurers that provide such coverages. Dan enjoys traveling with his family, participating in different sports and being involved in music at his church in Sawyer, Michigan. He has a Bachelor’s Degree in Biology from Indiana University and a Master’s Degree in Business Administration (MBA) from Indiana Wesleyan University. If you have a retirement plan (or you would like to start one) at your company, please consider the opportunity to evaluate all of your options with regard to plan costs, investment performance and the service your plan should be receiving from your financial professional. We are passionate about partnering with investors like you and your employees to better prepare for a brighter financial future. We would be glad to share that passion with you and your team. Daniel Todd, MBA Financial Advisor Investment Adviser Representative of Equity Services, Inc. 219.809.2217 [email protected] Daniel Todd is a Registered Representative and Investment Adviser Representative of securities and investment advisory services offered through Equity Services, Inc. Member FINRA/SIPC, 550 Polaris Parkway, Suite 550, Westerville, OH 43082, [phone], a Broker/Dealer affiliate of National Life Insurance Company (NLIC), Montpelier, Vermont. National Life Group® is a trade name of NLIC and its affiliates. General Insurance Services, Inc. is independent of the companies of National Life Group. 29