401k-Hotline - Retirement Planning Services

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Incorporating your business

401(k) Hotline offers individuals surfing the internet a vast array of services and information to assist in making the right distribution decision.

Initial consultations with a financial planner are available free of charge. An advisory fee may be charged for certain services that require more analysis or in dealing as a third-party advisor in certain circumstances.

Retirement Planning Services Available:

Starting Your Own Small Business

Starting your own business and becoming your own boss is a dream many of us share. More>

Death Distribution/Inheritance Analysis and Consultation

Figuring out how to receive a death distribution or inheritance is an important process. More>

NUA Analysis for Holders of Sizeable Positions in Company Stock

Net Unrealized Appreciation is a secret kept from many plan participants due to its complexity and lack of reward. More>

Debt Consolidation Analysis and Consultation

Life unfortunately has its little surprises. More>

Managing and Reallocating Your Existing 401(k) Plan

Many individuals visiting the 401(k) Hotline are seeking assistance and guidance relating to their existing 401(k) Plan. More>

Retirement Funding Analysis and Consultation

At the core of any financial planning program is an understanding of both your current financial situation and future savings. More>

Retirement Distribution/Lump Sum Analysis and Consultation

Individuals nearing retirement may find that their Retirement Distribution Analysis... More>

Required Minimum Distribution Calculation

For individuals that are over the age of 70 ½ or IRA beneficiaries. More>

72(t) Substantially Equal Periodic Payment Analysis and Consultation

Many individuals looking to take early retirement or starting their own business... More>

Retirement Newsletters

Newsletters focused on retirement planning are available... More>

In receiving professional advice similar to an attorney or accountant, advisory fees are based on individual circumstances. Advisory fees may be as a percentage of assets, hourly, or as a flat fee. Please Contact Us to discuss your individual situation.

FYI: As a client, several services are free of charge. Please Contact Us to discuss how to go about becoming a client and enjoying the benefits.

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If you are under age 59 ½, a 10% premature penalty may be assessed on all distributions you receive. Waiver of the 10% premature penalty may apply in some specific circumstances. Employees should consult their tax advisor pertaining to their particular situation.By taking substantially equal periodic payments, you avoid incurring the 10% premature distribution penalty. The substantially equal distribution schedule selected must continue for at least 5-years or until you reach age 59 ½, whichever is longer, or you will be subject to a 10% premature distribution penalty on all payouts already received. Further details with respect to substantially equal periodic payment formulas are provided in IRS Notice 89-25.All distributions from your retirement account are taxable in the year received. Please note, that at age 70 ½, you must begin taking minimum distributions from your retirement plan. Distributions for any of the above reasons involve specific tax regulations and options. Please consult your tax advisor before requesting the distribution. This information does not constitute tax advice. FSC Securities Corporation and/or its representatives do not provide tax advice. Please consult your tax advisor pertaining to your particular situation.Information and opinions expressed are strictly those of the author and may not be those of FSC Securities Corporation.

State Registrations Disclosure for Websites This site is published for residents of the United States only. FSC Securities Corporation's Advisors may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local FSC Securities Corporation office for information and availability.