We are your greater Philadelphia area insurance services agency, offering experienced
retirement planning services to businesses in the following New Jersey cities and
counties: Deptford, Camden, Cherry Hill, Blackwood, Collingswood, Runnemede,
Woodbury Heights, Pennsauken, Palmyra, Cinnaminson, Delran, Riverside, Edgewater
Park, Burlington, Riverton, Delanco, Beverly, Bridgeboro, Woodlynne, Oaklyn, Gloucester
City, Brooklawn, Mt. Ephraim, Westville Grove, Colonial Manor, Red Bank, National Park,
Thorofare, Gibbstown, Bridgeport, Penns Grove, Almonesson, Fairview, Grenloch,
Hurffville, Turnersville, Erial, Pine Hill, West Berlin, Clementon, Barrington, Kirkwood,
Maple Shade, Mt. Laurel, Pitman, Sewell, Mantua, Centre City, Magnolia, Somerdale,
Berlin, Richwood, Mt. Royal, Glassboro, Ewan, Wenonah, Audubon, Haddonville,
Merchentville, Willingboro, Woodbury, Clarksboro, Mickleton, Repaupo, Paulsboro,
Williamstown, Sharptown, Ferrell, Auburn, Yorktown, Pedricktown, Pennsville, Vineland,
Millville, Gloucester County, Burlington County, Salem County, and Camden County, NJ.
We also offer business retirement planning services throughout southeastern
Pennsylvania, including in Upper Darby, Drexel Hill, Yeadon, Sharon Hill, Collingdale,
Darby, Folcroft, Lansdowne, Norwood, Prospect Park, Glenolden, Havertown, Colwyn,
Chester, Cheltenham, Montgomery County, Bucks County, Delaware County, and
Philadelphia County, PA.
Employee Benefits
Sunrise Retirement Solutions and
Insurance Planning Services, LLC
Copyright 2005 - 2008 All rights reserved
Personal Insurance
Pension / Profit Sharing
Retirement Plans
Sunrise Retirement Solutions
& Insurance Planning Services
188 Fries Mill Road, Unit F-1
Turnersville, New Jersey 08012
Gloucester County, NJ
(856) 875-0999
Toll Free: 1-800-501-6199
Fax: (856) 875-0981
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Philadelphia Pennsylvania Area Employee Benefit Insurance Services
Your Philadelphia Area Employee Benefits Specialist
Employee benefits are an important factor to any business in hiring and
retaining a good work force. Every New Jersey or Pennsylvania business
needs to periodically review their employee pension, retirement and profit
sharing benefit plans to ensure that this major expense continues to offer
the highest quality benefits for your employees.
Click on a link below to learn more.
Retirement Plans & Profit Sharing Plans
Profit sharing plans offer the most flexibility when it
comes to making contributions. Company
contributions may be determined by a formula written
into your plan or at the discretion of your board of
directors or other governing body.

You can provide that yearly contributions will equal a
certain percentage of profits. If the company makes
no profit, no contribution is required that year. You
can provide that contributions be made only if profits
exceed specified amounts or you can let your board
of directors review the company's financial position
each year and make plan contributions at its
discretion.
The amount of benefits an employee will receive
from a profit sharing plan depends on several
factors. Since most company contributions are
dependent on profitability, a profit sharing plan can
be a strong incentive for employees to perform well.
Other factors include the plan's investment
performance, the number of years an employee has
participated in the plan, and the amounts fortified by
employees who leave before becoming entitled to
the full value of their accounts.
Profit Sharing Plans include:
Defined Benefit Pension Plans
Savings Incentive Match Plan (SIMPLE)
Simple Employee Pensions (SEP's)
Employee Stock Ownership Plans (ESOP's)
Click on the link below to fill out a contact form to receive
additional information on a Profit Sharing Plan that will be right
for your New Jersey or Philadelphia, PA area business. Or
speak with one of our Business Employee Benefits Planning
specialists toll free at 1-800-501-6199 to discuss the features.
SSL Secure
(also Philadelphia, PA area)
A retirement plan that allows employees in private companies to make
contributions of pre-tax dollars to a company pool that is then invested in
stocks, bonds, or money markets.
The employee decides how much money to enter into the 401K plan, which
makes the employee responsible for his or her own future. Any earnings in
your 401K account grow tax deferred. Since earnings are not taxed until they
are withdrawn there are more real dollars working in your investments.
A typical 401K plan provides the employee with a number of different
investment options, allowing them to be as conservative or as bold with their
savings as they want. Employees also have the ability to "roll over" or transfer
without penalty, their savings if they decide to leave their current employer for
a new job. Employers may provide "matching funds," meaning the employer
puts in a percentage of what the employee already added to their 401K plan. A
typical employer will match the contribution made by the employee to the
401K plan up to 6% of their gross income, assuming the employee chooses
to contribute that much into the plan.
Click on the link below to fill out a contact form to receive additional information
on retirement plans that will be right for your New Jersey or Philadelphia, PA
area business. Or you can speak with one of our Business Employee Benefits
Planning specialists toll free at 1-800-501-6199 to discuss the features.
SSL Secure
(also Philadelphia, PA area)
Because the responsibility of funding the SIMPLE IRA is shared between the
employer and employee, the start-up and maintenance costs for SIMPLE IRAs
are very low compared to qualified plans
A "Savings Incentive Match Plan for Employees" or SIMPLE IRA is a
retirement plan that may be established by employers, including self-employed
individuals (sole proprietorships and partnerships). A SIMPLE IRA allows eligible
employees to set aside part of their pre-tax compensation as a contribution to
the plan and defer the tax on the money until it is distributed to them.
Like other employer plans, the SIMPLE IRA allows employers a tax-deduction
for contributions they make to the SIMPLE IRA plan. The employee's
contributions to the SIMPLE IRA are not taxed, but distributions are taxed. The
tax and penalty treatment applicable to distributions from a SIMPLE IRA is
determined by the owner's age at the time of distribution. Contributions to
SIMPLE IRAs are immediately 100% vested, and the owner of the SIMPLE IRA
directs the investments.
Click on the link below to fill out a contact form to receive additional information
on a SIMPLE IRA retirement plan that will be right for your New Jersey or
Philadelphia, PA area business. Or speak with one of our Business Employee
Benefits Planning specialists toll free at 1-800-501-6199 to discuss the features.
SSL Secure
(also Philadelphia, PA area)
The SEP is an IRA-based plan to which employers may make tax-deductible
contributions on behalf of eligible employees. The employer is allowed a tax
deduction for plan contributions, which are made to each eligible
employees' SEP IRA on a discretionary basis. Employees do not pay taxes
on SEP contributions, but the contributions are taxed when the employee
receives a distribution from the SEP IRA.

Any employee that is eligible to participate in their employer's SEP plan must
establish a Traditional IRA to which the employer will deposit SEP
contributions. SEP contributions become Traditional IRA assets and are
subject to many of the Traditional IRA rules, including the following:

Any employer with one or more employees may establish a SEP Plan. This
includes sole proprietorships, partnerships, corporations, and non-profit
organizations.

Contributions to SEP IRAs are immediately 100% vested.
Click on the link below to fill out a contact form to receive additional information
on a SEP pension plan that will be right for your New Jersey or Philadelphia, PA
area business. Or speak with one of our Business Employee Benefits Planning
specialists toll free at 1-800-501-6199 to discuss the features.
SSL Secure
(also Philadelphia, PA area)
A 403B retirement plan is a retirement plan for civil government, university, and
not-for-profit employees. It has the same characteristics and benefits of a
standard 401K.
Most 403B retirement plans are funded by employee only contributions. Employee
contributions are tax deductible, tax deferred while inside the plan, and taxable as
ordinary income upon distribution.
Contributions to 403B retirement plans generally take one of the following forms:
3. the employee makes contributions and the employer makes a matching
contribution.
1. only employees make contributions through a salary-reduction agreement
2. only the employer makes contributions
Every dollar contributed to a 403B retirement plan is tax deferred. Your gross
income is reduced by the amount of contribution to the plan and this will lower
your current federal income tax liability. There is no current tax within the 403B
retirement plan on gains, dividends and interest income.
Tax deductible contributions can only come from salary deductions and can only
be placed into 403B retirement plans offered through an employer.
By law, employee investment in a 403B is limited to investing in mutual funds,
variable annuities and fixed annuities. As of 2005, employees can deduct 100%
of salary up to $14,000 and place those funds into a 403B.

A $4000 catch up contribution provision is available for individuals over 50 years
of age during 2005. An additional catch-up provision is available for participants
that did not participate in the 403B plan earlier, and is subject to length of
employment rules.
Investing in stocks, bonds, mutual funds and variable annuities does
not guarantee a profit. All of these investments can lose money.
Stocks, bonds, mutual funds and variable annuities are not FDIC
insured.
Click on the link below to fill out a contact form to receive additional information
on a 403B retirement plan that will be right for your New Jersey or Philadelphia,
PA area business. Or speak with one of our Business Employee Benefits
Planning specialists toll free at 1-800-501-6199 to discuss the features.
SSL Secure
(also Philadelphia, PA area)
**The information, pictures, and other content in this website about particular insurance
services or financial services is only provided for informational purposes. Any decisions
regarding your insurance and financial needs should be discussed with a licensed
insurance agent or financial professional.