Companies for 401k: Retirement Plan Options Business Owners Should Know in 2026

If you’re a business owner searching for companies for 401k, you’ve likely discovered that the landscape is more complex than simply picking a provider. The real question isn’t just which recordkeeper to use—it’s which retirement plan architecture will help you keep more of what you earn while building serious wealth for the future.

This guide walks you through every major retirement savings plan available to business owners in 2026, from traditional 401 k plans to the often-overlooked cash balance strategy that can supercharge your tax savings.

Key Takeaways

• 2026 contribution limits are increasing: Employee deferrals for 401 k plans are projected at approximately $23,500 (up from $23,000 in 2025), with catch up contributions of $7,500 for those 50+. Total defined contribution limits will approach $70,000-$71,000, and cash balance plans can add $200,000-$300,000+ for older owners.

• Six major plan types serve different needs: Traditional 401(k), profit sharing, solo 401(k), cash balance, SEP IRA, and SIMPLE IRA each have distinct advantages depending on your income, employees, and age.

• Revolutionary Wealth specializes in cash balance plan design: We layer cash balance contributions with 401(k) and profit sharing to help high-earning owners defer significantly more than a 401(k) alone allows.

• Your business is likely your biggest asset: Before recommending any retirement plan, Revolutionary Wealth conducts a BizEquity valuation to quantify what your company is worth and integrate that reality into your retirement strategy.

• Ready for next steps?Skip to “How Revolutionary Wealth Designs Plans Differently” or “How to Get Started” sections below if you want to move quickly.

Understanding the Main Retirement Plan Options for Business Owners (2026 Overview)

When business owners search for companies for 401k, they often miss that several competing plan types may actually serve them better—depending on profits, number of employees, and the owner’s age.

Here’s a quick overview of the six primary retirement plan structures available:

• Traditional 401(k): Allows employee contributions through salary deferrals plus optional employer match; subject to ERISA oversight and nondiscrimination testing

• Profit Sharing: An employer contribution that can be added to a 401(k), with discretionary annual contributions tied to company profitability

• Solo 401(k): Designed for owner-only businesses (including spouse), combining employee and employer contribution roles for maximum flexibility

• Cash Balance Plan: A defined benefit structure that expresses retirement benefits as an account balance, allowing significantly higher tax-deductible contributions than defined contribution plans alone

• SEP IRA: Employer-only contributions with simple administration, ideal for smaller operations not focused on maximizing six-figure deferrals

• SIMPLE IRA: For employers with up to 100 employees, requiring mandatory employer contributions but with lower deferral limits than 401(k) plans

The 401(k) plan has two varieties: the traditional 401(k) and the Roth 401(k).

IRS rules and contribution limits differ substantially by plan type. Your 2026 strategy should be coordinated with tax planning and expected business cash flow—not selected in isolation. Different employers offer different retirement plan options, so it’s important to understand which plan types are available through your employer or the companies you are considering. Some providers based their offerings on the specific needs of business owners, such as solo entrepreneurs, by focusing on features like automation, integration, fee transparency, and regulatory compliance.

Revolutionary Wealth operates as a fiduciary advisory firm, not a recordkeeper. We help owners select and coordinate these plans even when the underlying recordkeeping is handled by large custodians like Fidelity, Schwab, or Vanguard. In the sections below, we’ll dive into each plan type with concrete 2026 dollar limits and practical use cases for owners earning $500,000 or more.

Traditional 401(k) Plans for Companies

A standard company 401(k) allows employees to make contributions through automatic salary deferrals, with employers often adding a match or profit sharing component. Employees who enroll in a 401(k) commit to an automatically deposited percentage of each paycheck into an investment account, and these contributions are automatically deducted, making saving seamless. These plans offer a broad range of investment options and operate under ERISA oversight, providing important protections for plan participants. Employees can access their 401(k) accounts at any time via a comprehensive dashboard that lets them adjust their investment choices and deductions.

Many 401 k providers—including Fidelity, Vanguard, Charles Schwab, ADP, and Betterment at Work—provide recordkeeping and investment options. ADP offers easy implementation, payroll integration, and multiple service tiers for different business sizes. Some providers offer integrated solutions under one roof, simplifying administration for business owners. However, the plan provider handles administration while an advisor like Revolutionary Wealth designs the strategy for tax efficiency and owner optimization.

2026 Contribution Limits for Traditional 401(k)

Based on IRS inflation adjustments, here are the projected 2026 limits:

• Employee elective deferral: Approximately $23,500 (up from $23,000 in 2025)

• Catch up contributions(age 50+): Additional $7,500

• Total defined contribution limit(employee + employer contributions): Approximately $70,000-$71,000

• Total with catch-up(age 50+): Approximately $77,500-$78,500

Note: Final IRS numbers are typically confirmed in late 2025.

Design Levers Business Owners Control

The key difference between a mediocre 401(k) and a powerful one lies in plan design:

• Matching formula: Choose structures like 100% match on the first 4-6% of pay, but note that employer matches are often capped at a certain percentage of an employee's salary, such as 4 or 5 percent.

• Vesting schedules: Determine how quickly employees own employer contributions

• Eligibility rules: Set service requirements and age thresholds

• Roth vs. pre tax options: Allow employees (and owners) to choose between tax treatment. A key benefit of a Roth 401(k) is the ability to make tax free withdrawals in retirement.

• Automatic enrollment and auto-escalation: Increase participation and savings rates automatically

Large employers like Boeing, Starbucks, and Visa often offer generous matching formulas—sometimes dollar-for-dollar up to 6% or more. While small businesses may not replicate these exact structures, strategic design can still maximize benefits for owners while offering competitive retirement benefits to employees. Employer matching contributions are essentially free money for employees, significantly boosting retirement savings.

Revolutionary Wealth collaborates with major recordkeepers but focuses on minimizing plan costs, optimizing employer contributions, and aligning investment choices with the owner’s risk tolerance and tax plans.

Profit Sharing Plans (Often Paired with a 401(k))

Profit sharing isn’t a separate retirement account type—it’s an employer contribution formula typically layered onto an employer's plan, such as a 401(k), to significantly boost total tax-deductible contributions. This structure gives business owners substantial flexibility in their retirement planning.

The company can choose each year whether to contribute and how much, making profit sharing valuable for cyclical businesses where profits vary depending on market conditions or project timing. The decision to contribute and the amount is influenced by various factors, such as company profitability, cash flow, and business goals.

A good 401(k) program helps employees save more, pay less in fees, and make smart investment choices.

2026 Profit Sharing Limits

• Employer contribution cap: Up to 25% of eligible payroll

• Subject to overall defined contribution limit: Approximately $70,000-$71,000 total (employee deferrals + employer contributions)

Practical Example

A business owner earning $500,000 in W-2 compensation might structure contributions like this:

This combination materially reduces taxable income while acceleratingretirement savings.

Allocation Methods

Two primary methods exist for allocating profit sharing contributions:

• Pro rata: Equal percentage of compensation for all eligible employees

• New comparability/cross-tested: Allows different contribution rates for different groups (often favoring older, higher-compensated owners) while staying compliant with nondiscrimination rules

Revolutionary Wealth designs profit sharing formulas that legally tilt more contributions toward the owner group, integrate with cash balance plans when appropriate, and stay within IRS testing requirements.

Solo 401(k) Plans for Owner-Only Businesses

A Solo 401(k)—also called an Individual 401(k)—is designed exclusively for businesses with no full-time employees other than the owner and possibly a spouse. This structure offers remarkable contribution potential with minimal administrative burden.

Because the owner wears both “employee” and “employer” hats, contributions can be made in both roles. The overall 2026 defined contribution limit remains the same as standard 401(k) plans, but administration is simpler when assets stay under $250,000.

2026 Solo 401(k) Contribution Components

• Employee elective deferral: Up to approximately $23,500 (plus $7,500 catch-up if 50+)

• Employer profit sharing contribution: Up to 20% of net self-employment income (25% for incorporated businesses)

• Subject to overall defined contribution cap: Approximately $70,000-$71,000 (plus catch-up)

When Solo 401(k) Makes Sense

This plan type is ideal for:

• Consultants and independent professionals

• Sole proprietors with substantial income

• Early-stage entrepreneurs without staff

• Self employed individuals who want Roth and after tax contribution options, as solo 401(k) plans can allow for after-tax contributions. This enables advanced strategies like the mega backdoor Roth to maximize retirement savings.

Many companies offer basic solo 401(k) platforms—including Fidelity, Vanguard, Schwab, and E*TRADE—but key features like loans, Roth options, after-tax contributions, and alternative investments vary depending on the provider.

Revolutionary Wealth helps owners determine whether a solo 401(k) is superior to a SEP IRA or SIMPLE IRA given projected future employees, exit plans, and long-term tax strategy. The decision between these plans also depends on other factors such as future hiring plans, exit strategy, and long-term tax considerations. We then help select an appropriate custodial company for 401k that aligns with your specific needs.

SEP IRA and SIMPLE IRA: Lower-Cost Alternatives to 401(k)s

Banks and investment firms often market SEP IRA and SIMPLE IRA plans as easier, cheaper alternatives to 401(k)s. While they do offer simpler administration, they come with significant tradeoffs in flexibility and owner-centric optimization—particularly for high earners.

SEP IRA Overview

• Contributions: Employer-only (no employee contributions allowed)

• Allocation: Typically uniform percentage for all eligible employees

• 2026 contribution limit: Up to 25% of compensation, subject to the annual limit (approximately $70,000-$71,000)

• Best for: Businesses wanting simple administration where the owner doesn’t need employee deferral options

SIMPLE IRA Overview

• Eligibility: Employers with up to 100 employees

• Employer contributions: Mandatory—either 2% nonelective contribution for all eligible employees or matching contributions up to 3%

• 2026 employee deferral limit: Approximately $16,500 (up from $16,000 in 2025)

• Catch-up contributions(age 50+): Additional $3,500

• Best for: Smaller teams with modest profits seeking minimal administrative tasks

When SEP and SIMPLE Still Make Sense

These plans work well for:

• Smaller teams with modest profits

• Owners who want minimal administration

• Businesses not focused on maximizing six-figure tax deferrals

• Nonprofit organizations with limited budgets

However, for high-earning owners—those with $500,000+ income—a 401(k) plus profit sharing plus cash balance strategy will usually produce far greater tax savings over time.

Revolutionary Wealth reviews existing SEP and SIMPLE arrangements and models whether transitioning to a 401(k) or cash balance structure by 2026 would significantly impact your after tax wealth and retirement goals.

Cash Balance Plans: Where Revolutionary Wealth Specializes

A cash balance plan is a type of “hybrid” defined benefit plan that states benefits as an account balance but is actually actuarially driven. This structure allows much higher tax-deductible contributions than 401(k) plans alone—often dramatically higher for business owners in their 50s and 60s.

2026 Cash Balance Contribution Ranges

Unlike defined contribution plans, cash balance limits are age-based and determined by actuarial calculations. Here are realistic ranges for 2026:

These figures are in addition to 401(k) and profit sharing contributions. For more financial education resources and videos,visit our video library. Exact IRS maximums depend on actuarial calculations and final 2026 tables.

Ideal Profile for Cash Balance Plans

Cash balance plans work best for:

• Business owners earning $500,000+ with stable, predictable profits

• Owners typically in their 50s or 60s

• Those seeking to accelerate tax deductions in the final 10-15 working years

• Owners who want to fund retirement aggressively while planning for business exit

How Revolutionary Wealth Does Cash Balance Differently

Our approach to cash balance plan design sets us apart from other financial advisors:

1. Full feasibility study first: We analyze projected cash flows, tax brackets, and business stability before recommending any plan

2. Integrated design: We combine cash balance contributions with 401(k) and profit sharing to hit the optimal total within IRS limits

3. Actuary coordination: We work with third-party administrators and actuaries while remaining the central strategist for the owner

4. Exit stress-testing: We model different exit timelines (selling in 5 vs. 10 years) to ensure the plan doesn’t become a burden at sale

Example Scenario

A 61-year-old business owner with $1.2 million in annual profit implements a combined strategy:

This reduces current taxable income by over $325,000 annually while accelerating retirement readiness—and these contributions grow tax free until distribution.

Revolutionary Wealth is part of the Lion Street network, with experience advising on over $500 million annually. This gives us access to best-in-class actuaries and institutional partners for complex cash balance designs that smaller firms simply cannot match.

Investment Options Within Your Retirement Plan

Selecting the right investment options within your retirement savings plan is a critical step toward building long-term wealth and achieving your retirement goals. A well-designed retirement plan should offer a variety of investment choices, allowing plan participants to tailor their portfolios to their individual risk tolerance and financial objectives. Most 401(k) plans provide access to mutual funds, target date funds, and sometimes company stock, giving employees the flexibility to diversify their retirement savings. Employer contributions, especially when matched to employee contributions, can significantly impact the growth of your retirement account over time. Understanding the available investment options in your 401(k) plan empowers you to make informed decisions that can enhance your retirement savings and help you reach your financial milestones.

Core Investment Menu Choices

The core investment menu in a 401(k) plan typically features a thoughtfully curated selection of funds designed to meet a range of retirement goals. Most plans include index funds, which offer broad market exposure at a low cost, as well as actively managed funds and fixed income investments for those seeking stability or income. Target date funds are a popular choice, automatically adjusting their asset allocation as you approach your planned retirement date, making them a convenient option for hands-off investors. Financial advisors often recommend diversifying across these investment options to balance risk and reward, helping plan participants build a resilient portfolio. By offering a mix of index funds, target date funds, and other core investments, employer-sponsored retirement plans provide the foundation for employees to grow their retirement savings with confidence.

Customization and Fiduciary Considerations

Customizing the investment lineup within a retirement plan is essential to address the diverse needs of plan participants. Fiduciary responsibility requires plan sponsors and financial advisors to act in the best interests of employees, ensuring that the investment options offered are prudent and well-monitored. This means providing a range of mutual funds, target date funds, and even company stock, so participants can make choices that align with their personal retirement savings strategies. Educational resources play a key role, helping employees understand the risks and benefits of each investment option and empowering them to make informed decisions about their retirement savings. By prioritizing both customization and fiduciary standards, employers can create a retirement plan that supports the long-term financial well-being of their workforce.

How Revolutionary Wealth Curates Investment Lineups

As a leading provider of retirement services, Revolutionary Wealth takes a proactive approach to curating investment lineups that support the financial well-being of plan participants. Their process begins with selecting a broad range of high-quality, low-cost investment options—including index funds, mutual funds, and target date funds—ensuring that every employee has access to the tools they need to build a diversified retirement portfolio. Revolutionary Wealth is committed to affordable pricing, making it easier for small businesses and nonprofit organizations to offer competitive retirement benefits. Their expertise in retirement plan design means that each plan is tailored to the unique needs of the employer and employees, maximizing tax savings, employer contributions, and overall plan value. By providing access to professional financial advice and educational resources, Revolutionary Wealth empowers plan participants to make informed investment choices, helping them achieve their retirement goals and secure their financial future.

How Revolutionary Wealth Designs an Integrated Retirement Plan Strategy

Choosing between companies for 401k is secondary to the primary decision: what overall plan architecture across 401(k), profit sharing, cash balance, and IRAs will serve your financial situation best? That’s where wealth management expertise matters.

Our Planning Sequence

Revolutionary Wealth follows a structured approach to retirement services:

Step 1: Clarify Personal Goals

• Desired retirement age

• Lifestyle requirements and spending expectations

• Legacy and estate planning desires

• Business exit timeline preferences

Step 2: Analyze Tax Position

• Current tax bracket and expected future brackets

• State tax considerations

• Potential changes in income at retirement or business sale

• Whether you’ll likely be in a higher tax bracket now versus retirement

Step 3: Model Plan Combinations

• Project different contribution levels for 2026 and beyond

• Compare scenarios: 401(k)-only vs. 401(k) + profit sharing vs. full stack with cash balance

• Calculate cumulative tax savings and retirement readiness by target date

Integration Beyond Retirement Plans

We coordinate retirement strategy with other critical areas:

• RMD planning: Structuring distributions to minimize lifetime taxes

• Fixed indexed annuities: When appropriate for guaranteed income needs

• Estate and legacy strategies: Coordinating beneficiary designations and wealth transfer

• Liquidity planning: Ensuring business sale proceeds integrate smoothly with qualified plan assets

Case Example

A 58-year-old professional services firm owner came to Revolutionary Wealth with a basic 401(k) plan offering only a 3% match. After analysis, we implemented:

• Upgraded 401(k) with enhanced profit sharing formula

• Added cash balance plan contributions of $180,000 annually

• Reduced annual taxable income by over $250,000

• Projected retirement savings increased by $1.5 million over 7 years

The owner retained their existing plan provider for recordkeeping while Revolutionary Wealth managed the strategic design and ongoing optimization.

Why Your Business Value Comes First: BizEquity Valuation Before Plan Design

For most business owners, the company is the single largest asset and primary driver of retirement funding. That’s why Revolutionary Wealth starts by valuing the business before making retirement plan decisions—it’s the foundation for informed decisions about your financial well being.

How We Use BizEquity

Our valuation process provides clarity that most advisory approaches miss:

1. Data-driven valuation: We obtain a comprehensive BizEquity valuation of your company based on financials, industry multiples, and market conditions

2. Scenario modeling: We project value under different growth and exit scenarios (selling at age 62 vs. 67, for example)

3. Funding source analysis: We identify how much of your retirement will likely come from a business sale versus qualified retirement plans

How Valuation Informs Plan Design

The valuation results directly shape our retirement plan recommendations:

If your business is already worth enough to fund retirement:

• Prioritize tax minimization through maximum qualified plan contributions

• Consider estate planning strategies like gifting or family limited partnerships

• Layer cash balance plans to accelerate wealth transfer out of your taxable estate

If there’s a value gap:

• May focus on reinvestment into the business to increase sale value

• Start with moderate retirement plan contributions

• Phase in heavier cash balance funding as profits and cash flow allow

This valuation-first approach differentiates Revolutionary Wealth from many firms that lead only with product recommendations—“pick a 401(k) company”—without analyzing the business as an asset. It’s how we deliver genuine financial education rather than cookie-cutter solutions.

BizEquity valuations can be refreshed every 1-2 years, allowing your retirement plan strategy to adjust as the business grows or approaches a sale.

How to Get Started: Working with Revolutionary Wealth

You don’t need to know which plan type or company for 401k is right before reaching out. That’s exactly what our discovery process is designed to clarify—so you can start saving with confidence rather than confusion.

Simple 3-Step Engagement Process

Step 1: Discovery Call (15-30 minutes)

• Understand your goals, current plans, and income

• Discuss business structure and employee situation

• Identify preliminary retirement timeline and priorities

Step 2: BizEquity Valuation and Plan Modeling

• Complete data-driven business valuation

• Model 2026+ contribution scenarios

• Project tax savings and retirement age impact across several factors

Step 3: Implementation and Ongoing Monitoring

• Coordinate with chosen custodians and administrators

• Execute plan documents and funding strategy

• Monitor annually and adjust as business and personal circumstances evolve

Who We Serve

Revolutionary Wealth is an independent fiduciary advisory firm specializing in:

• Pre-retirees (often 59-67)preparing for the transition from accumulation to distribution

• Single, divorced, or widowed womenseeking confidence and clarity in financial decisions

• High-earning business ownersneeding integrated personal and business financial planning

We manage over $100 million directly and provide advice on over $500 million annually as part of the Lion Street network. This financial strength gives us access to institutional resources while maintaining personalized service.

Book Your Discovery Call

Ready to explore how a coordinated retirement plan strategy could significantly impact your tax situation and retirement timeline?

Book a time with our team

Come prepared with your latest tax return and profit/loss statement for a more productive conversation. We’ll help you see exactly where you stand and what 2026 could look like with the right plan architecture in place.

FAQ

The questions below address common concerns about timing, coordination, and logistics that weren’t fully covered above. Each answer reflectsRevolutionary Wealth's approach and acknowledges that IRS limits are finalized annually.

If a business is sold, what happens to the 401(k) plan? When a business is sold, the fate of the 401(k) plan depends on the terms of the sale and the new employer's plan. Often, 401(k) assets move with plan participants to a new employer's plan or can be rolled over into an IRA or another qualified retirement plan. Employees should review communications from both the old and new employers to understand their options and any deadlines for making decisions.

How will employees be notified if the company switches 401(k) providers? Companies should communicate the switch to a new 401(k) provider to all employees, providing details about the new provider and any relevant deadlines. Employees will typically receive official notifications via email or mail, outlining the transition process, blackout periods, and instructions for accessing their new accounts.

What should employees do when their company changes 401(k) providers? Employees should confirm or update beneficiary designations and understand any changes in contribution processes and employer match policies when switching providers. Reviewing the new plan’s features and ensuring all personal information is accurate will help avoid disruptions in retirement savings.

Can I keep my existing 401(k) provider and still work with Revolutionary Wealth?

In most cases, absolutely. Revolutionary Wealth can serve as your planning and fiduciary advisory firm while your existing recordkeeper—whether Fidelity, Schwab, Vanguard, ADP, or others—continues handling accounts and statements. We review your current plan design, investment options, and fees, then recommend either optimizing the existing structure or transitioning to a different platform if warranted. Our goal is often to preserve familiar participant experiences and minimize disruption for employees while enhancing your tax and retirement outcomes as the owner.

How soon should I set up a new retirement plan if I want to maximize 2026 contributions?

Business owners generally need plan documents in place by December 31, 2026 to allow employee deferrals for that tax year. Certain employer-only plans (like SEP IRAs) can sometimes be adopted by the tax-filing deadline with extensions. However, we recommend engaging Revolutionary Wealth at least 3-6 months before year-end—ideally in Q1 or Q2 of 2026—so there’s adequate time for BizEquity valuation, plan design, and coordination with payroll systems and providers. Earlier setup provides more flexibility to adjust contributions throughout the year based on actual profits and cash flow rather than scrambling in December.

What happens to my cash balance or 401(k) plan if I sell my business?

Outcomes depend on deal structure and buyer requirements. In many cases, 401(k) assets move with plan participants to a new employer’s plan or are rolled into an individual retirement account. When transitioning to a new employer's plan, companies should communicate the switch to a new 401(k) provider to all employees, providing details about the new provider and any relevant deadlines. Employees should confirm or update beneficiary designations and understand any changes in contribution processes and employer match policies when switching providers. Cash balance plans may be frozen, terminated, or merged, subject to IRS and ERISA rules. Revolutionary Wealth models exit scenarios in advance, ensuring contribution levels and funding strategies won’t create problems if a sale occurs sooner than expected. At or after sale, we help coordinate rollover strategies, tax timing, and integration of qualified plan assets with sale proceeds and your broader estate plan.

Can my spouse and key employees participate in these strategies too?

Spouses who are on payroll and key employees can typically participate in 401(k), profit sharing, and often in cash balance plans—though contributions are subject to nondiscrimination rules and certain rules around compensation levels. Part of our design work involves balancing owner-centric goals with competitive benefits that help retain top talent and maintain compliance. For example, we might design a cross-tested profit sharing formula where owners, spouses, and a small group of senior employees receive larger targeted allocations while still delivering fair retirement benefits to the broader team.

How does Revolutionary Wealth coordinate with my CPA and attorney?

We prefer a collaborative model where your advisors work as a team rather than in silos. We share plan designs, projected 2026 contributions, and tax impact projections with your CPA for validation and ongoing tax planning coordination. For business exit, estate planning, or entity structure changes, we also work with your attorney to ensure legal documents align with retirement and legacy strategy. This team-based approach reduces missed opportunities and inconsistencies between tax returns, legal documents, and retirement plan operations—helping you pay taxes strategically rather than unnecessarily.

Disclosures:

This blog contains general information that may not be suitable for everyone. The information contained herein should not be construed as personalized investment advice. There is no guarantee that the views and opinions expressed in this blog will come to pass. Investing in the stock market involves gains and losses and may not be suitable for all investors.Information presented hereinis subject to change without notice and should not be considered as a solicitation to buy or sell any security. Revolutionary Wealth LLC does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance.Past performance is no guarantee of future results.

Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated. c) If this includes fixed and indexed annuities, you can add this combined version: Fixed Annuities are long term insurance contracts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty.

Please consider the investment objectives, risks, charges, and expenses carefully before investing in Mutual Funds. The prospectus, which contains this and other information about the investment company, can be obtained directly from the Fund Company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest. An investment in the Fund involves risk, including possible loss of principal.

Asset Allocation does not guarantee a profit or protect against a loss in a declining market. It is a method used to help manage investment risk.

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Maximizing your Social Security Benefits assumes foreknowledge of your date of death. If as an example you wait to claim a higher monthly benefit amount but predecease your average life expectancy, it would have been better to claim your benefits at an earlier age with reduced benefits.

Converting an employer plan account or Traditional IRA to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences including but not limited to, a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.

The projections or other information generated by Monte Carlo analysis tools regarding the likelihood of various investment outcomes are hypothetical in nature, are based on assumptions that you provide which could prove to be inaccurate over time, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time.