Investment Services

At Mattar Financial, we are with you every step of the way, helping you reach your financial goals. We offer a wide variety of individual retirement solutions. We can provide assistance in the following areas.

 

Click Below for summaries of the services offered at Mattar Financial:

 

Investment Services Back to top

Wise investing involves setting financial objectives that look beyond short-term volatility. Mattar Financial professionals can work with you to guide your capital forward. Through asset allocation strategies, they can help you invest in a style according to your risk tolerance and balance and rebalance your portfolio for steady growth.

 

 

Retirement Planning Back to top

Planning for retirement is not hard, but it can take on many different meanings at different stages of life. The Mattars understand this, and they can help you with the basics — traditional IRAs vs. Roth IRAs, 401(k) rollovers — and with more advanced income and wealth management strategies incorporating annuities, stocks, and insurance.

 

401(k) Rollovers Back to top

If you`re retiring, you can avoid the tax consequences on your 401(k) by "rolling over" the proceeds into another investment vehicle within 60 days of taking distribution. Mattar Financial professionals can help you roll your 401(k) assets into a traditional IRA — so you won`t have 20% taken out for taxes as you would if you cashed out, and so your money can continue growing in tax-deferred fashion.

The Mattars can help you arrange a direct 401(k) rollover to a managed or custodial account, so you can remain invested and potentially avoid tax penalties.

You may wish to consult your tax professional regarding your individual circumstances.

 

 

College Funding Back to top

Mattar Financial offers a wide selection of tax-favored educational funding plans:

Internal Revenue Code Section 529 Qualified State Tuition Programs is a financing option which does not discriminate against the wealthy. These plans permit contributions up to $250,000 per student.

Section 529 accounts remain under the control of the contributor.

Earnings and growth accumulate tax deferred until distributed at which time the distribution is federal income and tax-free.

Students may attend any U.S. Department of Education accredited institution of higher learning.

Educational IRAs are also available but do not provide the advantages of a 529 college funding plan.

Investor's home state may only offer favorable tax treatment for investing in a plan offered by such state. Investors should consult a tax adviser for details.

Please read the 529 Plan Offering Statement carefully before investing or sending any money.

Investing in a 529 Plan are subject to market risk and there is no guarantee that the funds will be sufficient to cover all college costs.

 

 

Annuities Back to top

Mattar Financial offers:

  • Fixed Annuities
  • Variable Annuities
  • Equity Index Annuities

Annuities offer tax deferral on earnings and in certain plans minimum guaranteed death benefits. Annuities can provide for immediate income or deferred income. We can assist you in determining which type of annuity is suitable for you.

There is a surrender charge imposed generally during the first 5 to 7 years that you own the contract. Withdrawals prior to age 59-1/2 may result in a 10% penalty, in addition to any ordinary income tax. The guarantee of the annuity is backed by the financial strength of the underlying insurance company.



* Please note that neither Mattar Financial, Sigma Financial Corporation, nor its representatives offer tax or legal advice. For specifics on your own situation, please consult your tax advisor or attorney.