by JT Gutcheon | Jul 10, 2016 | Uncategorized
Did you know that fewer than half of Americans have calculated how much they need to save for retirement? In 2014, 30 percent of private industry workers with access to a defined contribution plan (such as a 401(k) plan) did not participate. Meanwhile the average American spends roughly 20 years in retirement. Putting money away for retirement is a habit we can all live with. Saving Matters! Retirement Planning is important. Here are a few tips to help you plan for retirement.
1.) Start saving and stick to your goals.
If you’re not saving it is time to start. Start with a small amount and increase it when you can. Something is always better than nothing.
2.) Contribute to your company’s retirement plan.
If your company offers a retirement savings plan utilize it. If you can contribute the maximum amount your taxes may be lower and your company may kick in more. Automatic deductions make it easy. Always take advantage of match programs when you can. If you own your own business there are savings plans that can be set up for you as well.
3.) Don’t touch your retirement savings.
Occasionally when times get rocky people reach into their 401k to help cover every day expenses. If you withdraw your retirement savings now you will be losing tax benefits and also facing penalties.
4.) Put money into an IRA.
You can put up to $5,500 a year into an Individual Retirement Account (IRA). You can contribute even more if you are 50 or older. You can also start with much less. IRAs also provide tax advantages.
When you open an IRA, you have two options – a traditional IRA or a Roth IRA. The tax treatment of your contributions and withdrawals will depend on which option you select.
5.) Consult a financial adviser.
Although there are many ways to plan for retirement on your own, it is always wise to consult with an expert on how you can maximize your financial endurance and have peace of mind. You should be planning your retirement now. For more information on our retirement planning services at PBI Insurance, call today. We have experts that are happy to assist you accomplish your financial goals.
We look forward to working with you soon!
by JT Gutcheon | May 31, 2016 | Uncategorized
PBI Insurance provides your business payroll services and benefits. The integration of Payroll and Benefit services enable an Employer group to rely on one central source. We can handle reporting on items such as employee data changes, employee terminations and benefit updates. Here is a list of what PBI Insurance offers.
Individual Payroll Specialist
• Gross to Net
• Direct Deposit
• Fax, Phone, Email Submission or On-line Entry
• Check Signing
• Employee Check/Earnings Statement Printing and Insertion
• Deduction Processing
• Comprehensive Suite of Payroll Reports
• General Ledger Reporting Service
• Time-Off Accruals/Actual Balances
For More information are services please go to our website https://pbiins.com/https://pbiins.com/
Hartford Office
62 LaSalle Road
West Hartford, Ct 06107
Phone: 860-233-1171
Fax: 860-233-1510
New Haven Office
Offices for Lynn M. Mut
355 Main Street
Hamden, Ct 06514
Phone: 203-230-0548
Fax: 203-287-9972
https://www.facebook.com/Professional-Business-Insurers-116105991740990/
by JT Gutcheon | May 20, 2016 | financial advisors, financial planning
Connecticut Financial Planning
PBI Insurance offers financial planning services to residents of Hartford CT, West Hartford CT and all surrounding areas. No matter where you are in life, financial decisions abound. When your life is busy it can be difficult to take time to evaluate where you stand financially. As a CT wealth management firm we act as your personal CFO. Our advisors provide unbiased advice, as well as assistance with investment management, retirement planning, tax planning, and financial services for individuals and families. Our goal is to help you achieve financial security and have complete control over your earnings. We work closely with you offering a client centered approach that provides education and guidance to help you achieve your financial goals and dreams. It’s never too late or too early to become financially savvy. For more information about our financial planning services call the experts at PBI Insurance. Our West Hartford office number is 860-233-1171. We look forward to hearing from you!
by JT Gutcheon | Mar 21, 2016 | payroll services
PBI offers payroll services. If you don’t already know, payroll services is a software that organizes all the functions of employee payment and the filing of employee taxes. These functions can be keeping tracking of hours, calculating wages, withholding taxes and deductions, printing and delivering checks and paying employment taxes to the government. What’s great about the payroll services is that everything can be found and reported in one place. You are able to report on items such as employee data changes, employee terminations and benefit updates. Read about all of the benefits of payroll services by clicking here.
Since 1985, PBI has built a business and a reputation by always doing the right thing for our clients and providing a personalized level of customer service. PBI is family-owned and serves businesses and individuals from every corner of the state. At PBI, we are known for our outstanding reputation. We bring our integrity, experience, accountability, and accessibility to the fore with every individual and business client. At PBI, we pledge to bring added value services to the table. We have offices in Hartford and New Haven Connecticut, or one of our agents will be glad to discuss your options at a place of your choice. West Hartford: 860-233-1171 and Hamden: 203-230-0548. Let us help build your future.
by JT Gutcheon | Dec 29, 2015 | Uncategorized
In order to make it easier for you and your business, PBI offers payroll services. If you don’t already know, payroll services is a software that organizes all the functions of employee payment and the filing of employee taxes. These functions can be keeping tracking of hours, calculating wages, withholding taxes and deductions, printing and delivering checks and paying employment taxes to the government. What’s great about the payroll services is that everything can be found and reported in one place. You are able to report on items such as employee data changes, employee terminations and benefit updates. Read about all of the benefits of payroll services by clicking here.
Since 1985, PBI has built a business and a reputation by always doing the right thing for our clients and providing a personalized level of customer service. PBI is family-owned and serves businesses and individuals from every corner of the state. At PBI, we are known for our outstanding reputation. We bring our integrity, experience, accountability, and accessibility to the fore with every individual and business client. At PBI, we pledge to bring added value services to the table. We have offices in Hartford and New Haven Connecticut, or one of our agents will be glad to discuss your options at a place of your choice. Let us help build your future.
PAYROLL SERVICES HARTFORD CT – NEW HAVEN CT – ALL OF CONNECTICUT
