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.
Why Everyone Needs an Estate Strategy
Do you have an estate strategy? You should.
Healthy Body, Healthy Pocketbook
Maintaining a healthy lifestyle can help you reduce health-related expenses—and avoid time in the recovery room.
Tax Deductions You Won't Believe
Here are some examples of deductions from the IRS that were permitted and some that were, uh, too creative.
Building wealth requires protection from the forces of wealth destruction.
Important as it is, Medicare does not cover the full range of health-care expenses you may experience in your golden years.
There are a number of reasons for business owners to consider a business succession plan sooner rather than later.
Without a solid approach, health care expenses may add up quickly and potentially alter your spending.
Few contemplate the complex journey that brought their coffee from farm to kitchen table.
Here's one strategy that combines two different annuities to generate income and rebuild principal.
This calculator demonstrates the power of compound interest.
Assess whether you are running “in the black” or “in the red” each month.
Estimate how much of your Social Security benefit may be considered taxable.
Estimate the total cost in today's dollars of various mortgage alternatives.
This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.
Estimate how much income may be needed at retirement to maintain your standard of living.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
The chances of needing long-term care, its cost, and strategies for covering that cost.
The importance of life insurance, how it works, and how much coverage you need.
Using smart management to get more of what you want and free up assets to invest.
Investment tools and strategies that can enable you to pursue your retirement goals.
A presentation about managing money: using it, saving it, and even getting credit.
It’s never a bad time to speak with your financial advisor about changes in your situation.
A growing number of Americans are pushing back the age at which they plan to retire. Or deciding not to retire at all.
Agent Jane Bond is on the case, cracking the code on bonds.
Do you have causes that you want to support with donations? Here are three tips.
Estate conservation is too important to put off. Do you have a smart exit strategy?
Can successful investors predict changes in the markets? Some can but others miss the market’s signals.