A Customized 401(k) Solution for Employers

Are you searching for a low cost, easy to administer, 401(k) that does not limit your investment choices to just one mutual fund family?  Well, we have just what you want  —  a turnkey, web-based, multi-fund family 401(k) that makes installation and administration a breeze.   You and your employees can now truly have your 401(k) "your way".

We are CUSO Financial Services, LP, (CFS).   We deliver leading edge technology and quality investment services to Credit Unions and their members nationwide.   Our philosophy of lowering the cost of investing for members is consistent with that of our credit unions, and we have built 401(k) Your Way™ because members have been asking us for just what you've been looking for.

Meeting Your Needs

Here are some of the features of 401(k) Your Way™, powered by ExpertPlan, Inc., that will save time and money for you as the plan sponsor and give your participants more control of their accounts.

For Plan Sponsors

• online "self-service" model eliminates third party error, reduces cost and administrative burden
• online set up and enrollment
• online payroll processing, census gathering and reports
• online plan summary and administrative guide
• online loan and distribution approvals, submission
• telephone support
• online statements
• 401(k) plan testing/5500s/1099s all provided
• face to face assistance from Credit Union Investment Consultant

For Plan Participants

• hands on control of their own account
• online enrollment
• wide variety of well-known mutual fund families
• 24-hour account access via internet
• unlimited account transfers
• online educational tools
• face to face investment advice from Credit Union Investment Consultant

This is a great time for you to review your plan!

2002 brings dramatic changes and liberalizations to pension law under the Economic Growth & Tax Relief Reconciliation Act of 2001 — EGTRRA.   The good news is that the changes are both employee and employer friendly.   Major changes include increased contribution and benefit limits, increased portability between most plans, and easing of many administrative rules.   Did you know, for example, that plan loans are now permitted for Sub S corporate owners, partners, and sole proprietors?*  Every plan will need to be reviewed, restated, and amended for EGTRRA.   Here's a timesaving idea:  get everything you want in a 401(k), and update for the new laws all in one easy step — convert to 401(k) Your Way™ today.

In fact, CFS has created a whole array of web-based retirement plan options for Credit Union business members.   In addition to 401(k) Your Way™, we have Solo(k) Your Way™, the new one person 401(k) made possible under the new tax law, as well as Retirement Plans Your Way™ for more customized solutions.   We're serious about making it possible for you to have your retirement plan "your way".

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* For specific tax advice consult a qualified tax professional.