Retirement Planning

We are passionate about retirement it is a human endeavor that we all strive to achieve in our personal life cycle. As a civil society we have evolve to appreciate certain life qualities which help to unfolded into a happy life of retirement.

Here at A G M Investment Group we appreciate all the good that life brings. We also believe that a foundation needs to be developed to achieve a successful retirement. It is about structuring a strategy for long term happiness and peace of mind.

One of the requirements is a retirement plan. We provide an extensive suite of retirement plans and some of the most sophisticate retirement concepts available -  IRA's, 401K, 403B, 457, Roth plans and life insurance to mention a few. Our experienced team can structure a Qualified and/or Non-Qualified retirement plan that will meet your life long needs into retirement.

Further down the page we provide some interesting academic studies regarding retirement theory, its origin and outlooks. Enjoy the leisurely reading.

We provide some of the most creative and most effective ideas for retirement.

SOLO 401(k) Plans are for sole practitioners and other owner-only businesses. These plans allow larger contributions than previously available through profit sharing plans, SEPs, and SIMPLE plans. They offer several other advantages including participant loans and catch-up contributions.

  • Easy to Setup and Operate
  • Flexible Investment Options
  • Consolidate Your Retirement Savings

Traditional 401(k) Plans can be designed with flexible features, such as eligibility, vesting, participant loans, and a variety of distribution options. With proper plan design, they can reduce costs by helping companies recruit and retain employees.

  • Employee Contributions Permitted

  • Discretionary Matching Contribution

  • Discretionary Profit Sharing

  • Up to 1 Year Eligibility Period

Safe Harbor 401(k) Plans are company-sponsored retirement plans which allow employees to save for retirement on a tax-favored basis. These plans permit employees to make pre-tax salary deferral contributions, and, while they require the employer to fund a minimum contribution on behalf of participants, they offer a number of advantages over traditional 401(k) Plans.

         • Same as Traditional 401k Plans

         • Fewer compliance requirements

         • Permit Discretionary Contributions

Profit Sharing Plans differ from 401(k) Plans in that all contributions are made by the employer. They can be designed to benefit employees, where contributions are allocated to participants in proportion to salary; or they can be designed to benefit business owners, older participants, or highly compensated employees.

  • Discretionary Employer Contributions
  • Unlimited Investment Choices
  • Vesting Schedules
  • Low Setup / Administration Costs
  • Up to 2 Year Eligibility Period

New Comparability Plans are a type of qualified retirement plan that allow businesses to fund different profit sharing amounts or rates to targeted groups of employees. These plans can be implemented to allow business owners and other highly compensated employees to receive larger contributions than permitted under traditional retirement plans, while keeping employee funding costs to a minimum.

        • Maximizes Contributions for select employees

        • Up to $50,000 per employee

        • Discretionary Contributions

        • Vesting Schedules

        • Up to 2 Year Eligibility Period

Defined Benefit Plans allow employers to assure employees of their retirement income by defining the benefit at retirement age. To fulfill the benefit (or promise to pay at retirement), these plans require annual contributions determined by an actuary. Defined Benefit Plans can sometimes allow employers to fund much larger contributions than 401(k) Plans and other defined contribution plans.

          • Accelerate savings

          • Maximize Tax Deductions

          • Contributions of $100,000 or more

          • Provides Defined income stream upon Retirement

          • Can have lump sum payout option

Cash Balance Plans combined with a 401(k) can provide a powerful vehicle to accelerate retirement savings while producing significant tax savings on current income. A Cash Balance Plan can be a great fit for professional firms like doctors, lawyers, and others who have the ability and desire to save more than is allowed under traditional plan arrangements and who have the steady income to comfortably make required contributions each year to this type of plan.

         • Same Benefits as a Defined Benefit Plan

         • Added flexibility with less complexity

If you interest are Socially Responsible Investment retirement plans we have a platform that will mirror the above concepts. We employ over 20 money managers that will adhered to your criteria’s of social and or religious investment values.

If you are a business owner, A G M Investment Group is ready to help you start a new retirement plan or update your current plan to the latest options. We offer several retirement plan platforms and an open investment lineup. This gives you the ability to build a unique investment lineup from over 20,000 mutual funds, target-date funds, model portfolios, and other investment strategies.

We provide a smart, intuitive and idea driven platforms.

If you are looking to increase enrollment, employee participation or education we can help, click on the images below a new window will open. You will see how we can deliver a smart, intuitive and idea driven retirement platform.  

When it comes to cost, we are extremely competitive. Ask us for our free "Comparison Fee Report". Let us show you how we can improve on the plan you have in a more cost effective manner. No plan is too small or too big.



Customize your Business or Retirement Plan needs                                          


 Critical Study of Retirement in America

Citation: Ruth Helman, Craig Copeland, and Jack VanDerhei, “The 2015 Retirement Confidence Survey: Having a Retirement Savings Plan a Key Factor in Americans’ Retirement Confidence,” EBRI Issue Brief, no. 413 (Employee Benefit Research Institute, April 2015).

 History of Retirement

 Theory of Retirement

 Global Pension Systems World Bank