112 W Pine St, Garden City, KS 67846, United States of America
Retirement Accounts
Saving for a Secure Future
At Hill Wealth Management, we know that planning for retirement is one of the most important financial steps you'll take in life. We offer a variety of retirement accounts tailored to your needs, each designed to help you build a solid foundation for your future. Whether you're an individual looking to grow your retirement savings or a business owner seeking the right options for your employees, we provide guidance every step of the way.
Traditional IRA
A Traditional IRA is a popular retirement savings option that allows your contributions to grow tax-deferred. This means you won’t pay taxes on your earnings until you withdraw the funds during retirement, ideally when you’re in a lower tax bracket. Traditional IRAs are ideal for individuals who want to reduce their taxable income now while building a nest egg for the future. At Hill Wealth Management, we’ll help you maximize the benefits of your Traditional IRA and ensure it aligns with your long-term retirement goals.
Roth IRA
A Roth IRA offers a different tax advantage—your contributions are made with after-tax dollars, but your withdrawals during retirement are tax-free. This account is perfect for those who anticipate being in a higher tax bracket later in life or prefer the flexibility of tax-free income in retirement. Roth IRAs can be especially beneficial for younger savers or those who expect significant growth in their retirement accounts. We’ll work with you to determine if a Roth IRA is the right choice for your financial situation and retirement plans.
SEP IRA
A Simplified Employee Pension (SEP) IRA is a retirement plan designed for self-employed individuals and small business owners. With higher contribution limits than Traditional or Roth IRAs, a SEP IRA allows business owners to contribute both for themselves and their employees. Contributions are tax-deductible, making this a great option for entrepreneurs looking to reduce their tax liability while providing a solid retirement benefit for their team. Our team can help you set up and manage a SEP IRA that fits your business needs and ensures your employees are well-supported in their retirement planning.
Simple IRA
A Simple IRA is an easy-to-manage retirement plan for small businesses with fewer than 100 employees. It allows both employers and employees to contribute, with lower administrative costs than a 401(k). This account offers tax-deferred growth and is ideal for businesses looking to offer a retirement savings plan without the complexities of larger programs. At Hill Wealth Management, we guide small business owners through the process of establishing a Simple IRA, helping them offer a valuable benefit to their employees.
Choosing The Right Plan For You
Whether you're just starting your career, planning for retirement, or managing a small business, we help you choose the right retirement accounts to match your goals. Our team takes the time to understand your financial picture and creates a customized retirement strategy that evolves with you. We’ll guide you through contribution limits, tax implications, and how each account fits into your overall retirement plan.
Retirement should be a time to enjoy the fruits of your hard work, and with the right accounts, you can ensure it’s exactly that. Contact us today to explore your retirement savings options and start building a future you can look forward to.
112 West Pine Street
Garden City, KS 67846
mike@jmhillwealthmanagement.com
Phone: (620) 276-6112
Fax: (620) 276-1976
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