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Retirement Planning

At Palma Financial Services, Inc., we customize a retirement plan based on your age and goals. We’ve guided businesses and entrepreneurs throughout all business cycles toward successful retirement goals.

Retirement Options

There are plenty of investment gurus that preach investing in 401(k) accounts starting as soon as possible, which is all good if you are in your early to mid twenties. If you are older, you may be one of the many people with a tangible fear that there won’t be enough money around for you to have an enjoyable retirement. That’s not the case at all. There are several other investment options that are available that can help you solidify your retirement account.

Retired couple has time to golf, thanks to retirement planning services in Dublin California

412(e)(3) Pension Plans

The 412(e)(3) pension plan is perfect for the small-business owner who has spent time and money building up his business instead of funding a retirement account. The plan is funded by life insurance and annuities with no limit on contributions. All company contributions to this type of fund are 100% tax-deductable and can be a formidable way to offset tax liabilities. If you are between 40 and 50 years of age, this plan is well worth consideration. It is a second chance at creating a well-funded retirement account for a small-business owner and a small group of employees.


In addition to 412(e)(3) and Sec 79 plans, traditional and Roth IRAs are still a viable retirement funding vehicle for many. They do suffer the $5,500 per annum restriction for tax-free contributions, but are otherwise an acceptable secondary funding option. The choice between IRAs will depend on your annual income, age and retirement needs. In general, if you are under the age of 59 and make less than $120,000 a year, a Roth IRA will make the most sense. Starting at age 60, the only advantage to a Roth IRA is the ability to continue contributions after 70 years of age.

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Reach Out Today & Learn More

We are the leading retirement specialists in Dublin CA. and serving the needs of the greater Bay Area and beyond.

Contact Us

(925) 307-5454

We are here

11840 Dublin Blvd
Dublin, CA 94568

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