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Dice Financial Services Group

1716 N. Sanborn Blvd, PO Box 790 Mitchell, SD 57301


Phone: 605-996-7171

Toll-free:  800-658-3603 


Website: www.dicefinancial.com

March/April 2019

Last-Minute Tax Break

If you are self-employed or own a business, a Simplified Employee Pension IRA (SEP-IRA) can be one way to minimize taxes and plan retirement.


A SEP-IRA Primer
This particular retirement account is well-suited for smaller businesses. That’s because qualified employees must be allowed to participate in the plan, to which employers make contributions.


Any employee who is at least age 21 and was an employee of your business in three of the last five years is eligible to participate in the SEP plan. You don’t have to contribute to the plan every year but when you do, everyone who qualifies must receive contributions, which immediately vest to employees.


The Total Package
A SEP-IRA is easy to set up and administer, with no tax filing required. It also allows larger contributions than most qualified retirement plans do. You have until your business’ tax filing deadline plus extensions to open and make tax-deferred contributions to SEP-IRAs for tax year 2018.


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Securities offered through: Royal Alliance Associates, Inc. [ RAA], Member FINRA/SIPC. Insurance Services offered through Dice Financial Services Group. Advisory services offered through Dice Financial Investment Advisory, a registered investment advisor. 
Thomas J. Dice, Jerauld Garry, Michael LeBrun, and Jacquelyn Johnson are registered representatives of and offer securities products and services through RAA. In this regard, this communication is strictly intended for individuals residing in the states of AZ, CA, CO, CT, FL, GA, IA, ID, IL, IN, KS, MN, MO, MT, NC, ND, NE, NY, OK, OR, SC, TX, UT, VA, WA, WI, and WY.  No offers may be made or accepted from any resident outside the specific states referenced.
Thomas J. Dice, Jerauld Garry, Michael LeBrun, and Jacquelyn Johnson are also separately registered as investment advisor representatives under Dice Financial Investment Advisory, a registered investment adviser, offering advisory services in the state of SD.
Thomas Dice offers additional investment advisory services through RAA.
Fixed and/or Traditional Insurance Services offered through Dice Financial Services Group.
Listed entities are not affiliated.
The broker-dealer [BD], investment advisor, BD agent or investment advisory [IA] rep in question may only transact business in a state if first registered, excluded or exempted from state broker-dealer, investment advisor, BD agent or IA rep registration requirements, as may be; and follow-up, individualized responses to persons in a state by such broker dealer, investment adviser, BD agent or IA rep that involve either the effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, as may be, will not be made absent compliance with state broker-dealer, investment adviser, BD agent or IA rep registration requirements, or an applicable exemption or exclusion. For information concerning the licensure status or disciplinary history of a broker/dealer, investment advisor, BD agent or IA representative, a consumer should contact his or her stated securities law administrator. For securities information a consumer may also contact the Financial Industry Regulatory Authority (FINRA) at the following toll-free number: (800) 289-9999 or their web address www.finra.org. 

  Dice Financial Services Group and LTM Client Marketing, Inc. are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

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