Retirement Plans for Small Businesses

There are many other ways
to help your small business
retain employees. Call Pete
Morris directly to discuss
the possibilities.

More than one million small businesses with 100 or fewer employees offer workplace retirement savings plans. If you're not one of them, it's time to take advantage. If you're self-employed or own a small business, a retirement plan can help you and your employees plan for the future. Consider taking advantage of Conestoga Investment Services to help you create the retirement plan that's best for you and your business.

There are many options to choose from when deciding on a retirement plan, and being knowledgeable is important when determining the right retirement plan for your business. A Conestoga Investment Services representative can sit down with you to discuss the many choices you have to develop a plan.

Advantages for Small Businesses

Your contributions are deductible.
Your contributions aren't taxed to an employee until distributed from the plan.
Money in the retirement program grows tax-deferred (or, in the case of Roth accounts, potentially tax-free).
You may be able to claim a tax credit equal to 50% of the cost to set up and administer a retirement plan, up to a maximum of $500 per year, for each of the first three years of the plan.
Certain low- and moderate-income employees may be entitled to a tax credit ("saver's tax credit") for a portion of their contributions to the plan.

We Can Help
There are many options, so it's important to know all of the unique advantages and disadvantages of the plans before you make your choice. Pete Morris, the Infinex Investment Executive at Conestoga Investment Services, can work with you to review your goals and help you make an educated decision that is best for your small business.

If creating a retirement plan is one of your business goals for 2009, contact Pete Morris at 610-321-2035. Now is the time to look into retirement plan programs for you and your employees. Don't let another year pass without a retirement plan in place.

Securities offered through INFINEX INVESTMENTS, INC. • Member FINRA/SIPC. Conestoga Investment Services is a trade name of Conestoga Bank. Infinex and the bank are not affiliated.
• NOT A DEPOSIT • NOT FDIC INSURED	• NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY	• NOT GUARANTEED BY THE BANK • MAY GO DOWN IN VALUE

Call 1-866-437-2265 to set
up an appointment today.

Too busy to leave the office? Conestoga Bank can now come to you for all of your banking needs. Our team members can do your banking or open accounts from any remote location – even your business.

Even better, it's all electronic. You'll never have to look at a paper receipt, fill out a withdrawal slip or go to the bank to make a deposit. You're busy, and we know that. You don't have time for the small stuff, so we take care of it for you. Does it get any easier than Conestoga Anywhere? We don't think so! Now the only reason to leave the office is to go to lunch … or maybe they deliver.

Soon your business will be able to bank directly from cell phones or BlackBerrys.^® With mobile banking, you will be able to transfer funds, receive notification alerts on your account, and even receive balance updates. Look for more details about mobile banking in the next few weeks.