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Financial Services Information
Get Professional Financial Services
We are a full service team of professionals dedicated to providing the best advice for both employees and companies on savings, investments, tax planning and retirement planning. We have a full range of products and services available to customize plans to meet individual needs. Our licensed Representatives are here to assist you with any and all of the questions you may have.
- Life Insurance
- Retirement Plans
- Mutual Funds & Annuities
- College Savings
- Long Term Care
Your Representatives Are:
Brad A. Stahlka-Investment Advisor Representative
Patrick Peterson-Registered Representative
Retirement Glossary of Terms:
Individual Retirement Account (IRA)
Contributions to a traditional IRA are deductible from earned income in the calculation of federal and state income taxes if the taxpayer meets certain requirements. The earnings accumulate tax deferred until withdrawn, and then the entire withdrawal is taxed as ordinary income. Individuals not eligible to make deductible contributions may make nondeductible contributions, the earnings on which would be tax deferred.
A nondeductible IRA that allows tax-free withdrawals when certain conditions are met. Income and contribution limits apply.
Employer-Sponsored Retirement Plan
A Tax-favored retirement plan that is sponsored by an employer. Among the more common employer-sponsored retirement plans are 401(k) plans, 403(b) plans, simplified employee pension plans and profit-sharing plans.
Qualified Retirement Plan
A pension, profit-sharing or qualified savings plan that is established by an employer for the benefit of the employees. These plans must be established in conformity with IRS rules. Contributions accumulate tax deferred until withdrawn and are deductible to the employer as a current business expense.
A defined contribution plan that may be established by a company for retirement. Employees may allocate a portion of their salaries into this plan, and contributions are excluded from their income for tax purposes (with limitations). Contributions and earnings will compound tax deferred. Withdrawals from a 401(k) plan are taxed as ordinary income and may be subject to an additional 10 percent federal tax penalty if withdrawn prior to retirement.
Securities offered through Cadaret Grant & Co., Inc. member FINRA/SIPC
6724 Main Street, Williamsville, NY 14221.
Licensed in New York, California, Florida, New Jersey, Ohio, Tennessee, South Carolina, Arizona, Nevada, & Pennsylvania.
EMS Group, Stahlka Agency and Cadaret Grant are separate entities.
Using Life Insurance as an Investment Tool