Your retirement should be a time to enjoy the rewards of your hard work, planning and savings. Wherever you are in life, retirement takes careful planning and preparation. Understanding your retirement account options is critical to maximizing the fulfillment of your retirement years.

We offer a variety of retirement plan services to individuals and employers of all sizes. We distinguish ourselves by providing first-class personalized service and planning. We place emphasis on personal attention for every participant in every plan, regardless of the size of the account. We will do everything we can to keep our clients focused on their goals and advise them on how to get there. We will help you maximize your savings, minimize your taxes and make your savings last.

We specialize in:

• 401(k) Plans
• 403(b) Plans
• Profit-Sharing Plans
• Pension Plans
• Cross-Tested Plans
• Cash Balance Plans
• Flexible Spending Accounts
• IRAs
• SEP IRAs

You’ll benefit from:

• A plan designed with you or your team in mind
• Ongoing education for you and your participants
• The right plan design to maximize benefits
• Employee retention

Why choose First Merchants Trust Company for your Qualified Plan?

• FMTC is the trustee of your plan
• No third-party administration
• No front-end loads on mutual funds
• Reduced tax liability
• Not restricted to any fund family

IRAs
Even if you’re already contributing to an employer-sponsored plan, you should consider contributing to an IRA. It is not uncommon to have more than one account in place to reach retirement goals. IRAs offer a variety of investment options and different tax benefits. We offer Traditional IRAs, SEP IRAs and Roth IRAs. There are advantages to both, depending on your anticipated situation.  We will help you sort through to determine which one meets your needs. 

For more information regarding our retirement products, please call Jane Smith at 765-747-1304.