Exclusive Perks for RAMS 403(b) Account Holders
As an added benefit to having your retirement dollars managed by the RAMS program, you now have access to the three perks below. Click on each to learn more.
Financial Wellness
Estate Planning
Tax Preparation
FinPath Financial Wellness
If you’ve ever felt like you’re living paycheck to paycheck or like your dollar can go farther, we have just the tools to make a difference. And it’s all available at no cost to you. FinPath is here to move people from surviving to thriving.
KEY BENEFITS
Unlimited 1:1 Financial Coaching
Financial Health Tools
FinPath University
Rewards & Prizes
Ready to build better financial habits?
Click below to request your personal activation link.
Estate Planning
Estate Planning is an important aspect of every financial plan. Spending the necessary time creating a solid plan can help you plan for the expected and unexpected. A well-designed plan can help make sure your wealth can carry over to your family’s next generation and ensure medical decisions are in the hands of someone you trust. Planning may include a trust, will, and health care power of attorney documentation.
SERVICES INCLUDE
Basic wills and guardianship documents
Review Estate Planning Documents
Provide Strategies to Improve Your Estate Planning Situation
Develop Summary of Your Current Estate Planning Situation and Preparing Estate Projections
Alignment of Estate Planning Guidance with Your Retirement/Financial Planning and Investment Goals
NOT INCLUDED
Any Estate Planning Requiring Legal Services Such As Will Contests/Divorce/Disinheritance, etc.
Preparation of Estate Planning Docs
Trusts/Special Needs Trusts
Out-of-State Property
Ready to learn more about Estate Planning services?
Redeem a complimentary Will to help you secure your legacy and your loved ones.
Tax Preparation
Tax planning can help you pay less to the government and put more of your hard-earned dollars to work for you. Our team doesn’t just prepare taxes, we strategically plan for them to help you lower your tax bill before you receive it.
SERVICES INCLUDE
W-2 Income Tax Preparation
Limited interest and dividend reported on a 1099-INT or 1099-DIV
Standardized Deductions or Itemized Deductions (Schedule A)
Earned Income Tax Credit
Child Tax Credits
Unemployment Income Reported on a 1099-G
Social Security Income 1099-SSA
Alimony Income Where Applicable
Education Credit(s)
Teacher Tax Credit
Retirement Savings Credit
HSA 5498 and 1098-SA
Energy Savings Credits
State Domicile(s) – Veterans
1040x Amended Return on a needs basis if return originally prepared by TCG
NOT INCLUDED
Complex returns requiring higher level tax and or legal assistance Ex: Forms 1120, 1120S, 1041, 1040x (where return was prepared at a different firm), 706, etc.
Rental Properties – Schedule E
Business Revenue – Schedule C
High Volume 1099s (Stock Options) – Schedule D
Farm Income – Schedule F
Multi-State Returns
Mineral Rights
Ready to get started with Tax Preparation services?
Click below to fill out a questionnaire to determine your eligibility and your needs.
Questions about your account benefits?
DISCLOSURES
Investment advisory services offered through TCG Advisors, an SEC registered investment advisor. Insurance Services offered through HUB International. Recordkeeper and Third Party Administrator services offered through TCG Administrators, a HUB International Company. FinPath is offered through RPW Solutions.
HUB International, owns and operates several other entities which provide various services to employers and individuals across the U.S. Employees of HUB International may offer securities through partner Broker Dealers not affiliated with HUB. Employees of HUB International provide advisory services through both affiliated and unaffiliated Registered Investment Advisors (RIA). Global Retirement Partners, LLC, HUB Investment Advisors, TCG Advisors, Millennium Advisory Services, and Sheridan Road Advisors, LLC are wholly owned subsidiaries of HUB International.
This message is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or as an offer to provide advisory or other services in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. All statements that are not historical facts are forward-looking statements, including any statements that relate to future market conditions, results, strategies, opportunities, positioning or prospects. Economic and market conditions change frequently, there can be no assurance that the trends described here will continue or that any forecasts are accurate. Remember all investing involves risk.
The information contained in this presentation is not intended to be a complete discussion of all federal or state income tax requirements. This information cannot be used by an investor to avoid any income tax penalties that may be imposed under the Internal Revenue Code. Investors should seek advice from a financial and/or tax advisor about the potential tax implications of their investments through TCG Advisors or HUB International, based on their individual circumstances.
Registration is required to use FinPath. Tax and estate planning services may be offered through third-party vendors. TeleWealth services and Retirement Plan Specialist are offered through TCG Advisors, a HUB International company.