Cambria’s experienced advisors work with individuals, business owners and corporations to evaluate your retirement plan needs.  We specialize in assisting you on the right choice for your particular situation and help you achieve your financial goals.  Whether you are implementing a new plan or need help with an existing retirement plan we remain committed to you in the years to come.  We won’t attempt to “fit you in” to a pre-designed benefit plan or package.  Let Cambria’s professional team of advisors customize an individual or employee benefit solution that fits you and/or your people.

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We offer highly customizable cost effective solutions with the flexibility to invest in a variety of different products and vehicles out of most retirement account, such as:

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• World leading Asset managers

• New Regulation A+ Offerings

• Private Placements, Secondary, PIPEs & IPOs

• Alternative Investments

• Mutual Funds & Fixed Income Securities

• Exchange Traded Funds (ETFs)

• Individual Stocks

• Covered calls & non-margin options

• Money Markets
   

 

 

Retirement Plans for Individuals

The average individual today cannot expect to retire on Social Security alone. It is more important now than ever that investors look for alternative solutions when planning for their retirement.

Cambria offers a wide array of retirement accounts, including:
 

Traditional IRAs – allow your savings to grow tax deferred and contributions may be tax deductible.  Withdrawals after age 59 1/2 are taxed as ordinary income. Withdrawals prior to age 59 1/2 may incur a 10% IRS penalty as well as income taxes.
 

Roth IRAs – contributions are not deductible, however your savings grow tax-free and distributions after age 59 1/2 are not taxed. Withdrawals prior to age 59 1/2 may incur a 10% IRS penalty as well as income taxes unless certain conditions are met.
 

Education Savings – is an account set up to pay the qualified education expenses of a designated beneficiary that is 18 years of age.  Contributions to the account are not deductible, but amounts deposited grown tax free until distributed.
 

Rollovers – whether you are retired, your employer has changed or terminated their plan you can rollover 100% of your retirement account, such as a 401k into an IRA or another Qualified Retirement Plan with no taxes or penalties.
 

Self-Directed IRA/Roth/SEP –  A Self-Directed IRA is a retirement account in which you are not limited to stock market based investment choices. You may invest in alternative assets like futures, real estate, private companies, promissory notes, precious metals, timber rights, green energy and other alternative assets.
 

Retirement Plans for Business Owners & Corporations

Offering a retirement plan can be a powerful tool for business owners and corporations to attract and retain the hardworking people who help make their business successful.  Cambria offers the wide array of retirement plans, including:
 

Individual 401k Retirement Plan – provides significant advantages to small businesses whose only employee is the owner or the owner and their spouse. This plan offers tax deductible contributions, high and flexible contribution limits and tax deferred growth.
 

Traditional/Roth 401k Retirement Plan – is generally advantageous for companies with 10 or more employee.  Owners and employees may contribute a specified amount of earned income through either a pretax (Traditional) and/or after tax (Roth) contributions.  This plan offers high and flexible contribution limits and tax deferred growth.
 

403b Plan – is a retirement plan for certain public schools and tax-exempt organizations.  They offer reduced taxable income through pre-tax contributions and tax deferred earnings on plan contributions.

Pension Plan- is usually a tax exempt retirement plan that allows an employer to make contributions toward a pool of funds set aside for their employees future.  We offer access to both defined benefit and contribution plans.
 

Profit Sharing Plan – is usually designed to give employees a share in the profits of the employer.  Each employee receives a percentage of the profits based on the company’s earnings.
 

Traditional IRAs – allow your employees savings to grow tax deferred and contributions may be tax deductible.  Withdrawals after age 59 1/2 are taxed as ordinary income. Withdrawals prior to age 59 1/2 may incur a 10% IRS penalty as well as income taxes.
 

Roth IRAs – employees contributions are not deductible, however your savings grow tax-free and distributions after age 59 1/2 are not taxed. Withdrawals prior to age 59 1/2 may incur a 10% IRS penalty as well as income taxes unless certain conditions are met.
 

SEP IRA (Simplified Employer Pension Plan) – allows self employed individuals and small business owners to contribute up to 25% of compensation up to a certain maximum each year.  These plans are 100% employer funded (employees do not contribute). Contributions into a SEP IRA are generally tax deductible and investment earnings in a SEP grow tax deferred. Withdrawals after age 59 1/2 are taxed as ordinary income. Withdrawals prior to age 59 1/2 may incur a 10% IRS penalty as well as income taxes. With a SEP, each eligible employee has their own separate SEP IRA which is then funded by the employer.
 

Self-Directed IRA/Roth/SEP – A Self-Directed IRA is a retirement account in which you are not limited to stock market based investment choices. You may invest in alternative assets like futures, real estate, private companies, promissory notes, precious metals, timber rights, green energy and other alternative assets.
 

For additional information please contact your Cambria Registered Representative at 877-226-0477 or clientservices@cambriacapital.com.