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Individual Retirement Plans
Employer-Sponsored Retirement Plans
SEP-IRA
SIMPLE IRA
401(k) Plan
403(b) TSA
Non-Qualified Retirement Options
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Employer-Sponsored Retirement Plans
In This Section
Employer-Sponsored Retirement Plans
SEP-IRA
SIMPLE IRA
401(k) Plan
403(b) TSA
Employer-sponsored retirement plans give business owners the opportunity for tax-deductible contributions and employees the advantages of pre-tax salary reduction contributions that accumulate tax-deferred until a withdrawal is taken. Modern Woodmen offers a number of plans that cater to a wide range of business types.
    • SEP-IRA
      A SEP-IRA (Simplified Employee Pension Plan) is an employer-sponsored retirement plan for employers and employees of sole-proprietorships, partnerships and corporations as well as not-for-profit organizations.  With a SEP-IRA, the employer makes tax-deductible contributions on behalf of all eligible employees and all earnings accumulate tax-deferred until a withdrawal is taken. 
    • SIMPLE IRA
      A SIMPLE IRA (Savings Incentive Match Plan for Employees of Small Employers)is an employer-sponsored retirement plan for businesses with 100 or fewer employees.  It allows employees to make pre-tax salary reduction contributions and employers to make tax-deductible contributions on behalf of themselves and their employees.  All earnings accumulate tax-deferred until a withdrawal is taken. 
    • 401(k) Plan
      401(k) plans are popular with businesses because both employers and employees benefit. Traditional 401(k) plans allow employees to make pre-tax contributions and employers to make tax-deductible contributions for employees, with earnings growing tax-deferred until withdrawn. Roth 401(k) plans allow employees to make after-tax contributions, and qualifying withdrawals are tax-free. Employers have flexibility with contributions and plan design.
    • 403(b) TSA
      A 403(b) TSA (Tax Sheltered Annuity) is an employer-sponsored retirement plan for employees of public school districts and 501(c)(3) tax-exempt organizations.  Similar to a 401(k), a 403(b) TSA allows an employee to make pre-tax salary reduction contributions and enjoy tax-deferred growth until he or she takes a withdrawal. 



Securities offered through MWA Financial Services Inc., a wholly owned subsidiary of Modern Woodmen of America, 1701 1st Avenue, Rock Island, IL 61201, 309-558-3100. Member: FINRA, SIPC. Products are available in most states. Individual representatives may not be licensed to sell all products.





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