Broker Check
How to Retire Early The Fed and How It Got That Way What Our Kids Can Teach us About Saving Money

At PINS LLC, we provide independent money management and employee retirement Benefits to successful business owners and their employees.

We provide sales and service to Pension & Profit Sharing Plans of all sizes. We assist with custom design plans from very simple and standard to extremely complex and specialized. From turnkey plans to custom Open Architecture plans with access to thousands of Institutionally priced investments. We also provide Plan platform & investment fee benchmarking studies of existing plans for clients and prospects to help comply with DOL 408(b)2 & 404(a)5 fee disclosure regulations.

We have experience in designing and funding qualified plans of all kinds; Traditional, 412(e)(3) and Cash Balance Defined Benefit Plans, as well as 401(k) Profit Sharing Plans designed including Age Weighted, Cross Tested, or New Comparability allocations. 

John F Kapek, CLU, ChFC PPC has over 30 years in the industry which includes 10 years as the marketing group affiliated with a Third Party Administrator (TPA) This experience is a significant benefit to John's clients and prospects in that he has dealt with many of the problems or issues his clients face on a daily basis and is experienced in getting things done correctly.


We hope that you find the site valuable enough to bookmark it as one of your favorites. We advise you to take advantage of the many features that we provide such as the "Tell a Friend" option. We hope that the site will further your awareness of how our business works and the services we provide.

From our site you can gather current quotes and news on individual stocks and investment products, maintain and update your own personal portfolio, and send us any messages and or questions. Here you can stay up-to-date on relevant financial topics through our On-line Newsletter. Thanks for being here! We appreciate your visit.

We encourage you to explore our site and learn more about the services we provide. Should you have any questions or would like more information on our firm, please feel free to email us or call us. We look forward to hearing from you.



Helpful Content

Social Security: By the Numbers

Social Security: By the Numbers

Here are five facts about Social Security that might surprise you.

The Business Cycle

The Business Cycle

How will you weather the ups and downs of the business cycle?

You May Need to Make Estimated Tax Payments If…

You May Need to Make Estimated Tax Payments If…

Have income that isn’t subject to tax withholding? Or insufficient withholdings? You may have to pay estimated taxes.

 

Choices for Your 401(k) at a Former Employer

Individuals have three basic choices with the 401(k) account they accrued at a previous employer.

9 Facts About Social Security

There are things about Social Security that might surprise you.

A Penny Saved is Two Pennies Earned

Here are some simple and inexpensive energy-saving tips that may help you save money.

Traditional vs. Roth IRA

One or the other? Perhaps both traditional and Roth IRAs can play a part in your retirement plans.

Variable Universal Life Insurance

Variable Universal Life is permanent insurance in which the policyholder directs how premiums are invested.

Top New Digital Tools for Small Businesses

Apps that help small business owners better manage and grow their business.

View all articles arrow

Potential Income from an IRA

Estimate your monthly and annual income from various IRA types.

Bi-Weekly Payments

This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.

What Is My Current Net Worth?

Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.

Saving for College

This calculator can help you estimate how much you should be saving for college.

What Is My Risk Tolerance?

This questionnaire will help determine your tolerance for investment risk.

Long-Term-Care Needs

Determine your potential long-term care needs and how long your current assets might last.

View all calculators arrow

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

An Inside Look at Retirement Living

A number of questions and concerns need to be addressed to help you better prepare for retirement living.

Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

Investment Strategies for Retirement

Investment tools and strategies that can enable you to pursue your retirement goals.

Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

View all presentations arrow

What Can a Million Dollars Buy You?

$1 million in a diversified portfolio could help finance part of your retirement.

18 Years Worth of Days

The average retirement lasts for 18 years. Are you prepared to fill that many days?

Charitable Giving: Smart from the Heart

Do you have causes that you want to support with donations? Here are three tips.

Jane Bond: Scaling the Ladder

Agent Jane Bond is on the case, uncovering the mystery of bond laddering.

Jane Bond: Infiltrating the Market

Agent Jane Bond is on the case, cracking the code on bonds.

Consider These 3 Things Before Driving Off the Lot

There are a few things to consider when buying or leasing your next vehicle.

View all videos arrow