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Financial Services Information

Piggy Bank Stahlka Financial ServicesGet 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   

- Disability

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 The earnings accumulate tax deferred until withdrawn, and then the entire withdrawal is taxed as ordinary income.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.

Roth IRA
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 Contributions accumulate tax deferred until withdrawn and are deductible to the employer as a current business expense.

401(k) Plan
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from a 401(k) plan are taxed as ordinary income and may be subject to an additional 10 percent federal tax penalty if withdrawn prior to retirement.

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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.


Additional Resources:

Using Life Insurance as an Investment Tool

For the safety of our staff
we are closing our offices for today Wednesday, January 30th.

Carrier numbers are available here our website or in an emergency you can reach our managers on their cell phones 
Fraser - Commercial Lines 716-510-8628
Jenn - Personal Lines 716-861-1328
Brad - Employee Benefits 716-465-7071
Stay Safe

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