401kBrokers

With our Solo 401k plans you can purchase no-load funds, (including both index funds and actively managed funds), and, you can purchase any exchange traded stocks, foreign securities, bonds, options, mutual funds from other fund families, (choose from thousands of mutual funds, including many with no transaction fees) fixed income securities such as U.S. Treasury Securities (including zero-coupon and inflation-indexed), Corporate bonds, Municipal and U.S. Government Agency Bonds, Mortgage-backed securities and Certificates of Deposit (CDs).

Retirement assets held in a 401(k) plan are generally protected from the claims of creditors. New 401k plans enjoy a 50% tax credit for the first three plan years for administrative expenses (up to the first $1,000 of expenses).

Pension Plan Limits For 2009, 2008, 2007 & 2006

401k Plan Limits for Plan Year	2009	2008	2007	2006
401k Elective Deferrals	$16,500	$15,500	$15,500	$15,000
Annual Defined Contribution Limit	$49,000	$46,000	$45,000	$44,000
Annual Compensation Limit	$245,000	$230,000	$225,000	$220,000
Catch-Up Contribution Limit	$5,500	$5,000	$5,000	$5,000
Highly Compensated Employees	$110,000	$105,000	$100,000	$100,000

If you don't know, ask us...^©

Our only fee is 1/4th of one percent annually for Solo 401k Plans (minimum $100 yearly)

For Company 401k plans (with any non-owner, non-spouse W2 employees), our only fee is 1/4th of one percent annually plus a $1,000 annual flat fee. (No minimum per participant for Company Plans).

We charge no setup fees or termination fees. and receive no revenue sharing from asset custodians.

Our asset based fee is only $25 per $10,000 in plan assets...far below the industry average...while allowing you to self-direct thousands of investment choices and purchase no-load funds without paying any brokers commission..

Say you have saved $500,000 and your 401(k) is charging you 0.75 percent a year. Over 30 years, assuming an 8 percent return and no additional contributions, an extra 0.25 percentage points (or any other expense for that matter) has cut your nest egg by more than $292,000, according to the SEC's Mutual Fund Cost Calculator at http://www.sec.gov

IRS Circular 230 Disclosure: Any tax discussion contained in this communication was not intended or written to be used, and cannot be used by the recipient or any other person, for the purpose of avoiding any Internal Revenue Code penalties that may be imposed on such person. Any tax discussion contained in the communication was written to support the promotion or marketing of the transactions or matter discussed herein. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

This information is provided as general guidance. It is not intended to be legal or tax advice. Employers should contact their legal and/or tax advisors regarding the facts and circumstances around their own retirement plan and the applicability of the issues discussed in the communication.