Business Center

Employer Sponsored
Retirement Plans

Qualified Plans

401(k)

Employer-sponsored 401(k) plans provide one of the easiest and most effective ways to save for retirement. Contributions are automatically deducted from your paycheck and deposited into your 401(k) account. This important benefit can play a large part in helping to plan for your retirement.

Your 401(k) plan has built-in flexibility to meet your changing financial circumstances. You can increase or decrease your contributions, as your plan allows, or stop them, at any time. You choose your investments, and you have the option to transfer money among your investment options, as your plan allows.

Your contributions are deducted from your paycheck before taxes are deducted. You pay less in current income taxes than you would if you had to pay the tax first and then try to save. Plus, your earnings grow tax deferred until you withdraw your money. Tax-deferred compounding has the potential to help your account balance to grow faster than a taxable savings account, because all of your earnings are reinvested without being reduced by current income taxes.

The plan can also permit after-tax contributions into a “Roth” account.


Securities products and services are offered through Park Avenue Securities LLC (PAS) 244 Boulevard of the Allies, Pittsburgh PA 15222 1.412.391.6700. PAS is an indirect wholly-owned stock subsidiary of Guardian. Neither Lifetime Financial Growth, LLC. nor Luttner Financial Group Ltd. are affiliates or subsidiaries of PAS or Guardian.

 

PAS is a member FINRA, SIPC.

 

The Information on this site is intended for the residents of Pennsylvania, Ohio, West Virginia, and Maryland. The financial representatives of Lifetime Financial Growth are not licensed to sell securities in all 50 states. To find out if an agent is licensed in your state, please contact Darlene Lucas at 412-391-6700.

 

We are licensed to sell Insurance in the following states: Pennsylvania,Indiana, West Virginia and Ohio.

 

Guardian, its subsidiaries, agents or employees do not give tax or legal advice. The Living Balance Sheet® and logo is a registered trademark of The Guardian Life Insurance Company of America (Guardian), New York, NY. Patent pending. The trademark The Living Balance Sheet and the content and graphics in this website which relate or refer to The Living Balance Sheet system are used under license from Guardian.

 

Guardian does not offer Property & Casualty and Individual Health nor do we provide services for them. Disability income and long term care insurance underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Product provisions and features may vary by state.

 

Important Consumer Information: A broker-dealer "BD", investment advisor "IA", a BD agent, or IA Representative may only transact business in a state if first registered in the state, or is excluded or exempt from registration in that state as a broker-dealer, investment advisor, BD agent, or IA Representative, as appropriate. Follow-up individualized responses to persons in a state by such a firm or individual that involves either affecting or attempting to affect transactions in securities, or the rendering of personalized investment advice for compensation will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker-dealer, investment advisor, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.

 

This Internet site may contain general information about various investment products. The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. Such information is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.