Other Investment Products and Services

To read about any of our products and services, please click on the link below to navigate directly to it.

• Insurance
• 401(k) Rollover
• Stocks
• Money Market Funds
• 401(k) for Businesses
  

Hennion & Walsh Insurance Division

Life Insurance

Life Insurance can help replace lost income upon the insured's death and often times is received by the beneficiaries tax free and avoids probate.

Long Term Care Insurance

Long Term Care Insurance is used to help pay for Long Term Care services not covered by individual health insurance or other sources. These usually include assistance with activities of daily living, respite care, home health care, hospice care, nursing home care, adult day care and assisted living facilities.

Policy Reviews

The insurance experts at Hennion & Walsh Wealth Advisors will perform a complimentary review of your insurance policy.

Why a policy review? If you have held a life insurance policy for an extended period of time, chances are that your situation has changed since you took out the policy.

For more information on Insurance please contact Hennion & Walsh Insurance Division at (800)836-8240 and ask to speak with an insurance professional.

Note: While in some instances, Medicare may pay for some of your nursing home expenses, it will not cover the cost of care in an assisted living facility. If the care that is needed is to help maintain one's standard of living then Long Term Care insurance can help offset those costs.

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401(k) Rollover

Take Control of Your Retirement Savings Today. We Make It Easy.

You have a new job or perhaps recently retired, how do you make the most of your 401(k) or other retirement savings account from a former employer?

Rolling over your retirement assets to Hennion & Walsh is simple. Get started today.

Here's Why:

• Easily move your investments out of your former employer's retirement plan 401(k), 403(b), Thrift Savings Plan) without tax consequences or other penalties
• Make your money work harder and wiser by increasing your investment options
• Keeps your investments invested tax-deferred
• Control of your overall retirement plan

What Is a Rollover IRA?

By directly moving assets from your employer-sponsored retirements plan into an IRA Rollover, you have the opportunity to defer any associated tax liabilities, avoid penalties while staying fully invested. You can use your Rollover IRA when you change jobs to keep your investments working hard while deferring taxes.

How do I roll over my retirement plan to Hennion & Walsh?

1. Open a Rollover IRA at Hennion & Walsh
2. Transfer your IRA from your former employer

Learn more about how transferring your 401(k) to Hennion & Walsh will give you the advantage you need.

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Stocks

Stocks or equities are securities held by investors and represent an ownership interest in a public corporation.

Who Should Consider Investing in Stocks?

Investors seeking higher returns, diversification and / or income (depending on the stock).

Features of Stocks

• Flexibility & Diversification - Stocks allow investors to take positions in different companies and business sectors either in the United States or around the world.
• Higher Returns - Historically, stocks have usually delivered higher returns than other investments.
• Rising Income - Depending on the company, stocks provide the possibility for rising income through dividend growth.

Please contact your Hennion & Walsh investment professional for more information on how stocks can play a role in a sound investment strategy or trade online today.

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Money Market Funds

A money market fund is a mutual fund that is mandated by law to invest in low-risk securities and other low risk monetary instruments. Like a mutual fund, a money market fund's net asset value (NAV) is determined at the end of each day.

Money market funds usually invest in government securities, certificates of deposits, commercial paper of companies, and other highly liquid and low-risk securities. Unlike a bank account, returns from money market funds are not guaranteed. Their stability rests upon the investments in their portfolios and it is possible for the money market funds to lose value.

Who Should Consider Investing in Money Market Funds?

Investors seeking liquidity and low risk.

Features of Money Market Funds

• Liquidity - You can withdraw your money whenever you need it, without penalty.
• Lower Fees - Money market funds usually charge lower fees and expenses.
• Daily valuation - Dividends are compounded daily.
• Competitive interest rates - Money market mutual funds usually have competitive yields, providing safety and solid returns.

Contact us today to discuss how money market funds may be appropriate for your investment strategies.

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Horizons 401(k) - Giving Small Businesses The Edge in 401(k) Plans

As a small business employer, would you like to attract and retain the most talented employees available for your growing company?

Hennion & Walsh Asset Management Company recognizes the value of a well-constructed 401(k) plan. Accordingly, we are proud to offer Horizons 401(k). Horizons 401(k) combines Life-Cycle portfolios and self-directed investment options with custom plan design, record keeping and reporting services in one convenient turnkey package.

Whether you are just considering offering a Plan for the first time, or converting from an existing plan, we can help make the process as smooth as possible. Start by filling out the brief Information Request. We will promptly forward you a descriptive product brochure and a Hennion & Walsh representative will follow-up shortly thereafter. Get started today.
Administration

Our 401(k) Program includes full administration services provided by a selected third party administrator. Our program's fees are very competitive. The following is a list of services that is typically included in our employer retirement plan packages:

• Annual discrimination testing
• 5500 filing
• Optional New Comparability allocation formula
• Daily valuation via toll free phone number and internet
• Timely reporting
• Discretionary match and/or profit sharing
• Timely updates on regulations pertaining to your plan

Specifications

Your Plan is designed with your company's goals in mind. Although our Program is referred to as Horizons 401(k), the basic fundamentals can work with other Plan structures as well. Please see Types of Plans for a description of some of these structures. The ultimate Plan that is implemented can help you to both attract and retain the most talented employees for your company. It can also give the owners and long-term employees a way to maximize their tax-deferred savings. Your Plan can quickly benefit your company in tax savings and improved employee retention. And most importantly, it is easy to use.

This summary of Plan Specifications should give you a good overview of how easy this plan can be to maintain if so desired.

• Flexible eligibility
• Quarterly entry dates
• Online investment changes
• Discretionary match and/or employer contribution
• Hardship distributions allowed
• Loans allowed

Plan Types

• 401(a) for Non-Profits
• 401(k)
• 401(k) Safe Harbor
• 401(k) Automatic Deferral
• 403(b)
• 403(b)(7)
• How do 403(b) plans compare to 401(k)s?
• 457(b)
• 457(b) FICA Alternative
• Profit Sharing Plan
• Money Purchase Plan
• Simple IRA
• SEP IRA
• 125 Cafeteria Plans

Investments

The Horizons 401(k) makes the investment decision for your participants less complicated. Participants can select from one of five Life-Cycle models available or they can make their own allocation decision into an array of mutual funds. Our Program permits your advisor at Hennion & Walsh to help select which mutual funds will be made available for investing through your plan.

The five Life-Cycle models, which provide the benefits of a managed account within a 401(k) plan, available include:

• Low Risk Model
• Conservative Risk Model
• Moderate Risk Model
• Growth Model
• Enhanced Growth Model

Employee Education

Your advisor at Hennion & Walsh will help your employees understand their employer-sponsored Plan and the investment options available to them. Your advisor at Hennion & Walsh will work with you to develop and conduct enrollment meetings and educational seminars.

An important aspect of building the right 401(k) that is often overlooked is flexibility and choice. We work closely with you and your participants to help develop options within the 401(k) Plan that fit specific risk tolerance levels and time horizons.

Contact us today to see how Hennion & Walsh will work with you to give your business the edge.

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