We know that you want to do all you can to make sure your employees are financially secure long after they retire. At First State Bank & Trust Company, we have the tools to help plan for your employees futures while giving tax benefits to your company at the same time. Traditional IRAs are available to any employee under the age of 70½ and allows them to make tax deductible contributions to be withdrawn in the future. A Roth IRA allows employees to make nondeductible contributions within the yearly limits and features tax-free withdrawals for certain distribution reasons after a five-year holding period. A Simplified Employement Pension Plan (SEP) may be a great retirement savings tool for your employees and provides your business with great tax benefits for the employer's contributions.

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