The Instruments
Tax Advantaged Investing

Financial Harmony @ Home

Solutions for Individuals and Families

IRA

An Individual Retirement Account is a personal retirement savings plan that offers the IRA owner the ability to save for retirement on a tax-deferred basis. IRA assets are not taxed until distributed.

Roth IRA

The Roth IRA is a nondeductible alternative to traditional IRA. Contributions to a Roth IRA are not tax deductible, and distributions are potentially tax and penalty-free if certain requirements are met.

Annuities

Annuities are insurance contracts where you invest or pay a set amount of money today or over time, in exchange for a lump-sum payment or stream of income in the future.

Financial Harmony @ Work

Solutions for Businesses and Non-Profits

401(k)

A company sponsored retirement account that employees can contribute to on a pre-tax basis.

403(b)

A retirement account for certain employees of public schools and tax-exempt organizations. The agreement allows an employer to withhold money from an employee’s salary and deposit it into a 403(b) account.

Cash Balance Plan

A cash balance plan is generally used by businesses with multiple owners who have stable surplus income and are interested in larger tax deductions and accelerated retirement savings.

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SIMPLE IRA

Savings Incentive Match Plan for Employees plan allows small employers who have 100 or fewer employees to offer a retirement plan to their employees without the complicated nondiscrimination testing and reporting required for qualified retirement plans.

SEP

Simplified Employees Pension plan provides business owners with a simplified method to contribute toward their employees retirement as well as their own retirement savings.


Musicians know the impact of how taxing practice can be on their music performance. Investors understand the impact taxes have on their investment performance.

BH Wealth offers a repertoire of taxed and tax advantaged investing solutions.

Let us Rock your 401(k) financial wellness program. Your participant engagement program will never be the same!

   
           

Glossary of terms for Business Owners/ Plan Sponsors.

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Plan Design: When it comes to retirement plans for your employees, one size doesn’t fit all. Plan design features affect every aspect of a retirement plan—from fiduciary support for plan sponsors to communication and education for their employees.

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Service: An essential piece to providing the appropriate retirement planning solution for employees is service. That’s where it all begins. Listening, making recommendations, providing training, and responding to questions and concerns quickly and effectively are what help foster a productive, long-term relationship.


Investments & Fiduciary Responsibility: In today’s increasingly complex and stringent regulatory environment, it may be difficult for business owners to try and go it alone when it comes to choosing and monitoring investments for their retirement plan. They rely on professional guidance with their investment and fiduciary responsibility,

Value & Pricing: The price of a product is often the primary component on which buying decisions are made. Regardless of quality, service and other factors, if pricing is not competitive, a plan sponsor may not be able to afford their best option. Our retirement plan strategies are designed to address your needs and priced competitively as your plan grows.

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End Your War With Money.

Financial language jargon creates dissonance accompanied by a feeling of powerlessness, which leads to financial paralysis. Finally, the language of money is singing a new song. Jaimie Blackman, Co-Founder & President, BH Wealth.


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