Retirement Solutions

AmTrust Investment Services, Inc Retirement Planning

Plan Now for the Retirement You Want  
Today, maximizing your retirement savings is more im­portant than ever. That’s because if you’re like most Americans, the greatest portion of your retirement funding will have to come from your personal savings and investments.
 
With LPL Financial, it’s easy to get started on a retirement plan that can help you accumulate the money you’ll need. We have convenient products for every stage of your life, whether you’ve just started to build wealth, close to retirement or already there.
 
You can choose retirement investments with confidence because an experienced, knowledgeable LPL Financial Consultant will work with you to explore your present needs and future goals.
 
 
A Wide Choice of Investment Accounts
LPL Financial offers a wide variety of investment options, for your retirement planning. Among our most popu­lar accounts are:  
 
One of our Financial Consultants can help you determine which type of strategy will work best for you.
 
 
Developing an Intelligent Retirement Income Strategy
There is no one solution that fits everyone’s finan­cial situation and retirement goals. That’s why we work with you to develop a customized strategy. Our Financial Consultants can help you determine how much you’ll need and help you develop a strategy to work toward achieving your goals.
 
Before we can look to the future, we need to see where you are today. Our Financial Consultants will take a complete financial profile in order to evaluate your current financial situation. We will ask about your cur­rent expenses, credit card debt, emergency reserves and any investments you already have, as well as the risks you are willing or able to take.
 
Then our Financial Consultants will suggest products that are appropriate for you.
 
 
Ready to start building a balanced financial future.
Our Financial Consultants are available to meet with you in each AmTrust and Ohio Savings Bank branch throughout Ohio, Florida and Arizona.
 
Click:  
to complete our online request form and a Financial Consultant will contact you directly
Call:
(800) 860-5357, Option 1 to be referred to a Financial Consultant near you
to one of our convenient branch locations
 
 
A Wide Choice of Investment Accounts
 
Rollover IRA
  • A tax-favored way to reinvest your distribution from an employer-sponsored retirement plan. Also lets you consolidate retirement plans from other institutions.
  • Lets your retirement savings keep on working for you.
  • Offers you control of your accumulated assets with flexibility.
 
 
Traditional IRA   
  • Designed for investors at high or peak earning potential who expect a lower tax rate in retirement.
  • Yearly contributions may be tax-deductible, depending on your income level and participation in an employee-sponsored plan.
  • Your earnings accumulate tax-deferred.
  • You may be able to make penalty-free withdrawals for qualified higher education or a first-time home purchase.

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 Roth IRA
  • Designed for investors with growing earning potential who expect a retirement tax rate the same or a higher than they have today.
  • Yearly contributions are made with after-tax dollars.
  • Your earnings can be withdrawn tax-free after five years if you are over age 59-1/2.
  • No required minimum distributions at age 70-1/2.
  • You can make penalty-free withdrawals for qualified higher education expenses or a first-time home purchase.

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SEP-IRA
  • You can make tax-deductible contributions depending on compensation limits.
  • Simple to set up and maintain.
  • You don’t have to file annually with the IRS.

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  Fixed Annuities 

  • Your earnings grow tax-deferred along with death benefit protection.
  • You can choose to receive a guaranteed income stream for life.
  • Both fixed (fixed rate of return) and variable (market-based returns) annuities are available.

Fixed Annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 1/2 are subject to 10% IRS penalty tax and surrendar charges may apply.

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