Look to the Future with Excitement
Insurance products offered through Sepo Insurance Services, LLC in the state of California.

401(k) Plan
For more information please see: www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Definitions

403(b)
For more information please see: www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Definitions

457
Employers or employees through salary reductions contribute up to the IRC 402(g) limit ($18,000 in 2015) on behalf of participants under the plan.
For more information please see: www.irs.gov/Retirement-Plans/IRC-457%28b%29-Deferred-Compensation-Plans

Roth IRA
• The account or annuity must be designated as a Roth IRA when it is set up.
• You can make contributions to your Roth IRA after you reach age 70 ½.
• You cannot deduct contributions to a Roth IRA.
• You can leave amounts in your Roth IRA as long as you live.
• If you satisfy the requirements, qualified distributions are tax-free.
For more information please see: www.irs.gov/Retirement-Plans/Roth-IRAs

Traditional IRA
For more information please see: www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Definitions

Business Solutions
• Retirement Plan Solutions
– 403(b) Plans
– Group 401(k) Plans
– 457 Plans
– SEPs and Simple IRAs
• Executive Compensation Programs
– Deferred Compensation
– Key Person Insurance
– Split Dollar
• Business Continuation Programs
– Business Continuation Strategies
– Buy-Sell Agreements
Often complex, qualified business solutions should be carefully discussed with your licensed OPES Financial Solutions associate as well as you CPA and legal counsel.

College Savings
Whether you are a parent or a grandparent, a licensed OPES Financial Solutions member can help you structure a college savings strategy. Contact your licensed OPES Financial Solutions member today and see if we have a strategy that is right for you!

Life Insurance

Needs Assessment

College Expenses

Credit Cards and Savings

Inflation

Savings for Retirement

Social Security

Sudden Death

Family Protection
Contact a licensed OPES Financial Solutions member today and discuss your life insurance options.

Cash Flow
• Earn higher interest rates
• Turn negative cash flows into positive cash flows
• Increase insurance deductibles
• Add new income sources
• Establish a Monthly Expense Budget
Don’t feel like you are alone in your decision making, discuss your unique situation with a licensed OPES Financial Solutions member.

Debt Management
• Take advantage of credit card transfer offers and promotional interest rate specials.
• Employ the snowball method to pay off credit cards.
• Paying more than the minimum debt payments as your budget allows
• Request a lower rate from your credit card company.
There are many ways to manage debt in your daily life, a licensed OPES Financial Solutions member would love to uncover strategies that work for you.

Wealth Building
Ask yourself the following questions to determine if your current plan could use a checkup:
• How much monthly income will I need to continue my standard of living during retirement?
• What are my leisure plans during retirement?
• Does longevity run in my family?
• Will I travel or spend money outside of current monthly bills and expenses?
Beginning to build guaranteed cash flow strategies for retirement as early as possible is a key component to a successful financial strategy. Consulting with a licensed OPES Financial Solutions member can be the first step to getting started.

Emergency Fund
• Job Loss
• House Repairs
• Caring for ill loved ones
• Appliance Replacement
• Serious Illness or Short-term Disability
• Car Repairs
Helping families find a way to have a pool of funds set aside for unseen expenses is one way your licensed OPES Financial Solutions member can help families achieve their life’s goals.

Wealth Preservation
• Proper Use of Annuity Beneficiary Designations
• Manage Estate Tax Liabilities
• Execution of Necessary Legal Directives
• Avoid Probate Expenses
Please consult with your CPA, attorney, or legal consultant on your specific estate planning needs.