• Retirement Solutions

Retirement Solutions

Our ACWM team offers expertly designed competitive retirement plans for our commercial clients. We know that one plan isn’t right for everyone, which is why we offer a variety of options from traditional IRAs to 401(k) plans. 

We’re always available for consultation and can meet in your office or ours. For more details or to schedule a personal consultation, visit American Community Wealth Management.

retirement_solutions

IRA

It’s never too soon to think about retirement and plan for it. An individual retirement account (IRA) is an excellent way to plan ahead. An IRA is a qualified savings plan that offers a reliable return, insured by the FDIC up to $250,000. We offer three plans, so no matter what your long-term retirement goals are, we have an option for you. 

Traditional IRA Accounts

  • Contributions can be tax-deductible
  • Earnings grow tax-deferred
  • Withdrawals during retirement are subject to federal income tax

Roth IRA

  • Established with after-tax contributions 
  • Contributions are not tax-deductible
  • Earnings grow tax-free

SEP (Simplified Employee Pension) IRA

  • Designed for self-employed individuals and small businesses
  • Qualified employees receive employer contributions

Executive Retirement Plans

American Community Wealth Management offers expertly designed competitive retirement options for commercial clients. We manage a variety of 401(k) and profit sharing plans.

Employee Benefit Plans

When it comes to choosing benefit programs that can help you attract and retain the best talent, American Community Wealth Management is ready to help. 

Key Man Insurance 

Protect your company’s most valuable assets—you and other top-level employees—with a company life insurance policy. Your business purchases the policy (known as “key man insurance”), pays the premiums, and is listed as the beneficiary. 

Estate Planning

As a small business owner, you’re busy running your business and may not have thought about an estate plan for your company. Don’t make this all-too-common mistake. An estate plan can avoid problems later in the event of a death. Let one of our trusted business advisors discuss important topics such as succession planning, trusts, tax liabilities, and asset protection.

1031 Exchange Investments 

A 1031 exchange is a strategy typically used by real estate investors and owners allowing them to sell property and then reinvest in new property. Capital gains taxes are deferred because the transaction is not considered a sale but rather an exchange. Our advisors can help navigate a 1031 exchange and help you decide whether this option is right for you. 

Locations

Crystal Lake
815-479-8600
Huntley
847-669-0777
McHenry
815-385-5556
Woodstock
815-338-2300

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