812-425-1030

Financial Services
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Planning your retirement, investments, and overall finances is crucial and must be well thought out and understood. At Freeman, Will & Niemeier Inc., we work with individuals and businesses to assess their financial state and create a plan to achieve their goals.

Planning Positive Futures for Employers & Employees

As a one-stop shop, we help employers and employees set up retirement plans, we help with investment management, and we help with overall financial planning for you, your business, and your family’s future. If you are local to the Southwest corner of Indiana, contact our office in Evansville, IN, for assistance. It’s never too late to get your finances in order.

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Employer-Sponsored Retirement Plans at Freeman, Will & Niemeier Inc. in Evansville, IN

Employer-Sponsored Retirement Plans

Our dedicated team has decades of experience providing retirement plan services to employers. We will help you establish a plan for your employees that keeps you in compliance with the rules and regulations of each plan. We also provide compliance testing, non-discrimination testing, and government filings. In addition, we can help with investment selection and enrollment and provide ongoing support.

Our Specialties

401(k) Profit Sharing Plan

A 401(k) Profit Sharing Plan is a retirement savings plan that allows employees to contribute pre-tax dollars to their account, which is then matched by their employer up to a certain percentage.

Safe Harbor Plan – Manage your taxes by deferring them to a future year, and this plan makes sure you don’t have to pay taxes on any income you make in the current year, even if it’s not enough to pay off your tax bill.

Permitted Disparity – Permitted disparity is a provision that allows employers to offer employees different retirement plans based on factors like age, years of service, and compensation level.

New Comparability – This is a way for employers to offer more money in retirement savings plans and give their employees a raise without increasing their base salary.

SEP

The Simplified Employee Pension (SEP) is an IRS-approved retirement plan that allows you to contribute to your employee’s retirement. You set up the plan with your financial institution and fund it with a percentage of each employee’s salary (that percentage can vary from 3% to 25%).

Individual 401(k)

An individual 401(k) is a retirement account that allows employees to make pre-tax contributions to their own retirement plan. The funds in the account grow tax-deferred and can be withdrawn without paying taxes if you follow certain guidelines.

Individual 401(k)s allow you to contribute more money than you would be able to if you were using a traditional or Roth IRA. You can also invest in a wider variety of stocks, bonds, mutual funds, and other investments with an individual 401(k).

An individual 401(k) can be used as an investment vehicle for retirement planning, but it’s not meant to replace an employer-sponsored retirement plan like a pension or profit-sharing plan.

Simple IRA

A Simple IRA is a type of individual retirement account that allows you to contribute up to $12,500 per year and deduct those contributions from your taxable income. You can invest in stocks, bonds, money market accounts, or any combination of these. The money grows tax-deferred until you withdraw it at retirement age.
Investment Management at Freeman, Will & Niemeier Inc. in Evansville, IN

Investment Management

The Freeman, Will & Niemeier Inc. professionals provide investment management services for individuals and businesses. We will assist you in determining a proper asset allocation, selecting the appropriate investments, and monitoring the investments to ensure that your portfolio outperforms your chosen benchmark.

Our Specialties

Brokerage Accounts

Brokerage accounts are an investment tool that allows investors to purchase and sell stocks, bonds, mutual funds, options, and other securities. They’re often used to invest in individual companies or index funds.

Traditional IRA

A traditional IRA is a tax-advantaged way to save for retirement. You can contribute up to $6,000 yearly and don’t pay taxes on the income until you withdraw it later.

Trust Accounts

A trust account is a pool of money used to invest in securities. The trust account is managed by a trustee, who ensures that the funds are invested according to the wishes of the account’s beneficiaries.

529 College Savings Accounts

A 529 College Savings Plan is a tax-advantaged investment account that allows you to save for college expenses. The money you put into a 529 plan grows tax-free and can be withdrawn tax-free if used for qualified education expenses (like tuition, books, supplies, and other required equipment) at any eligible educational institution in the United States or abroad.

Individual Retirement Account (IRA)

Individual retirement accounts (IRAs) are a type of investment account that you can use to save for retirement. With an IRA, your money is invested in stocks and bonds that earn interest or dividends. You can invest your IRA in various ways, including mutual funds, certificates of deposit (CDs), and individual stocks.

Roth IRA

In a Roth IRA, you pay tax upfront but can withdraw your contributions anytime without paying taxes or penalties.

Education IRA

An education IRA is a unique savings vehicle that helps you save for your children’s education. It allows you to put money away tax-free and take out the money tax-free when it’s time to pay for college, vocational school, or other post-secondary education.
Learn About Employee Benefit Possibilities
Financial Planning at Freeman, Will & Niemeier Inc. in Evansville, IN

Financial Planning

Work one-on-one with our team to create an individualized financial roadmap. Our team can assist in planning your investments, savings, and retirement, sending your children to college, or planning for a large purchase. Once the roadmap is created, we will monitor your progress and make recommendations to stay on track.

Our Specialties

Retirement Planning

Do you know how much money you need to retire comfortably? We will help you create a budget and make adjustments if necessary so that your spending is consistent with your goals and values.

Business Purchase

Purchasing a pre-existing business is a great way to gain the benefits of owning a business without starting from scratch.

Estate Planning

Estate planning is taking care of your family and loved ones after you pass away. Our caring professionals will help you set up your estate to ensure your assets are distributed in a way that will benefit your family and serve as a legacy.

Education Planning

Our team will help you create a plan for college, pay off student loans, or take advantage of other education-related opportunities. We will also help determine what kind of financial assistance you can offer your children and how much money you’ll need to save.

Succession Planning

Succession Planning is a process by which you determine who will take over your business when you retire, die, or otherwise leave your business.
Contact our office at 812-425-1030 for a free quote today
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Freeman, Will & Niemeier Inc.

Monday – Friday: 8:00 AM to 5:00 PM
Saturday – Sunday: Closed

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1919 West Franklin St.
Evansville, IN 47712

Phone: 812-425-1030
Fax: 812-421-4115

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