These three retirement savings plans fall under the umbrella of tax-deferred investment accounts, meaning your contributions grow without being taxed until withdrawal. However, they differ in terms of eligibility, contribution rules, and employer types.
401(k) plans are the most common retirement savings vehicles for private-sector employees. Employers may offer traditional or Roth 401(k) options, and many provide matching contributions to encourage participation.
Key Features:
At OMNI 360 Advisors, we work with clients to assess whether a traditional or Roth 401(k) makes more sense based on income, tax status, and future retirement goals.
403(b) plans operate similarly to 401(k) plans but are designed for employees of public schools, nonprofit organizations, and certain religious institutions.
Key Features:
At OMNI 360 Advisors, we help nonprofit employees and educators take full advantage of their plan’s unique catch-up provisions and investment opportunities.
457(b) plans are offered to state and local government employees and certain nonprofits. A standout feature is the flexibility around early withdrawals.
Key Features:
OMNI 360 Advisors works with government employees and executives to coordinate 457 plan contributions alongside other accounts like pensions and IRAs for a well-rounded retirement strategy.
Each plan type offers different tax advantages and withdrawal rules, making them better suited to different stages of life, career paths, and income levels.
At OMNI 360 Advisors, we take a holistic view of your financial situation and long-term goals to help you:
We also support small business owners and nonprofit leaders in setting up and administering these plans for their teams, ensuring compliance, employee education, and long-term value.
We offer comprehensive retirement plan services designed to help both individuals and employers make the most of 401(k), 403(b), and 457 plans. Here’s how we add value:
We assess your full financial picture—income, tax bracket, family goals, and lifestyle—to recommend the most effective retirement plan strategies. Whether you’re an early-career professional or nearing retirement, we guide you on:
For business owners, school administrators, and government leaders, OMNI 360 Advisors offers retirement plan design, implementation, and ongoing support. Our services include:
Life changes, market conditions fluctuate, and tax laws evolve. That’s why we provide continuous monitoring and plan optimization. We help you rebalance, reassess, and realign as your goals change.
Switching jobs? Retiring? Combining multiple retirement accounts can simplify your finances and potentially lower fees. Our team can help:
A major benefit of 401(k), 403(b), and 457 plans is their role in reducing taxable income now while deferring taxes until retirement. However, Roth options and future income considerations may make after-tax contributions more attractive in some cases.
OMNI 360 Advisorsspecializes in proactive tax planning to help you:
We don’t just look at your retirement accounts—we consider the full picture. OMNI 360 Advisors provides an integrated approach that includes:
By coordinating your retirement plan with the rest of your financial life, we help ensure everything works in harmony—no overlaps, gaps, or missed opportunities.
At OMNI 360 Advisors, we believe that retirement planning is not one-size-fits-all. Our approach is:
Whether you’re contributing to your first 401(k) or managing multiple plans in retirement, we’re here to provide clarity and confidence every step of the way.
Ready to make the most of your 401(k), 403(b), or 457 plan? OMNI 360 Advisors is here to help you design a retirement strategy that fits your needs today and supports your goals for tomorrow.
Schedule a free consultation with one of our retirement specialists today. Let’s create a plan that maximizes your savings, minimizes taxes, and prepares you for a secure future. Contact us at 609-452-0889.
How we do business – ADV Part 3 – CRS (Please see attached document)
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