Tax Deferred 403 (b) Annuity Plans

403(b) Plans can be offered by Non-Profit organizations and School Districts to their employees to permit earnings to be allocated on a pre-tax basis into an investment plan that can grow tax deferred until withdrawals begin. 403(b) plans can be offered without any employer contribution in what is referred to as a "Non-ERISA Plan." The employer's only role is to select the provider(s), make pre-tax deductions from payroll, and remit funds to the provider. No IRS reporting is required by the employer.

Where the employer elects to make a contribution, the plan then falls under the rules of ERISA which requires IRS reporting as well as adherence to non-discrimination rules.

VBS offers four stand alone services in connection with 403(b) plans.

1. We provide professional staff to facilitate the enrollment of employees. Our people have many years of experience in helping employees to enroll in various forms of voluntary retirement plans.
2. We have the knowledge and materials to conduct employee-training sessions on how to invest their 403(b) money. In periods of economic volatility, "The Volatility Buffering Strategy®" can be a valuable tool in helping employees to achieve their long-term goals.
3. We provide a mix of investment products suitable for 403(b) plans.
4. We can provide complete administrative and record keeping services.

For complete information on our 403(b) programs, contact us at 1-800-VBS-401K or at info@vbscorp.com.