Retirement and Employee Benefit Solutions!

Benefit Planning Services, Inc. specializes in retirement, employee benefit and individual planning for organizations and their employees. We help organizations attract and retain quality employees and help individuals accumulate and preserve assets. We use a consultative approach to design, implement, administer and service retirement, employee benefit and individual financial plans. We are excellent at helping clients from the initial, often difficult, decision making and design process through to the implementation and service. We act as an advocate whose job includes ensuring that your plans run smoothly.

 

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Securities offered through Walnut Street Securities, Member FINRA, SIPC

 

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Securities and investment advisory services offered through registered representatives and investment advisor representatives, respectively, of Walnut Street Securities, Inc. Member FINRA, SIPC, a registered investment advisor. Securities activities are supervised from a WSS branch at 18 Corporate Woods Blvd, 4th Floor Loudonville, NY 12211. 518-449-9762.  Benefit Planning Services and Walnut Street Securities, Inc. are unaffiliated entities.  Please note that you are free to implement your financial plan at the financial institution of your choice.
 
 
 
 

 
Calculators

Capital Gains Taxes

Estimate short-term and long-term federal capital gains taxes

Savings Goals

How much do you need to save each year to meet your long-term financial goals?

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

Home Affordability

Estimate of the maximum amount of financing you can expect to get when you begin house hunting.

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Newsletters

For Better, For Worse: Communicating About Retirement

A recent study indicates that couples are not communicating clearly about retirement goals and strategies, even as they approach retirement age. This article offers suggestions to open a dialogue and encourages couples to discuss their retirement needs and desires with each other and with their financial advisor.

Fixed for Life

More than 40% of Americans ages 36 and older are at risk of running out of money in retirement, according to a retirement readiness study. In fact, almost one-third of people with upper-middle incomes and 13% with high incomes may not be able to pay for basic retirement expenses and uninsured health-care costs after two decades in retirement.

Dispelling Umbrella Insurance Myths

Many people may think their chances of being hit with a multimillion-dollar lawsuit are fairly slim. Besides, wouldn't the liability coverage on their homeowners and auto insurance policies be enough to protect them against a claim or a lawsuit? Unfortunately, there are misconceptions about umbrella liability insurance that could cause someone to be underinsured.

Bring Your Life Insurance Home From Work

Only 44% of American households have individual life insurance, a 50-year low. Many workers have life insurance as an employee benefit, however relying on a group policy could mean that coverage ends should a worker's job situation change. This article examines the benefits of term individual insurance and permanent life insurance.

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