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TODD MANN FINANCIAL SERVICES INC. 
1840 5th St. Springfield, OR 97477  |  (O) 541-747-0502  |  tmann@bbgrahamco.com

Securities and Investment Advisory Services offered through B. B. Graham & Co. Member FINRA/SIPC

Todd Mann Financial Services Inc. and B. B. Graham & Co. are separate and otherwise unrelated companies. 

 

Check the background of this financial professional on FINRA's BrokerCheck

Todd Mann Financial Services has implemented security measures designed to protect the personal information you share with us, including physical, electronic and procedural measures.

Employer Sponsored Benefits

We aim to help keep your employees happy and you profitable

Healthcare

We will help you navigate the enrollment process for small group health plans.

Retirement

We help set-up and manage retirement accounts for you and your employees.

Life and Disability

We can protect your employees and their families with ultra competitive insurance options.

 
 
Oregon Saves
(for information purposes only)

Features

Tax-free growth

Tax-free withdrawals (retirement)

Employer Contributions:

None

 

 

Employee Contributions:

Up to 10% of Modified Adjusted Gross Income

$10,000 Max in 2019

Employer's Role

Must register with OregonSaves

Submit employees' contributions

Key Exclusion Criteria

Employees must be 18 years old

 

 

 

Employee-centered

Portable, can easily move from company to company

 

Investment Options

Very limited 

*This is for informational purposes only, please speak to a financial professional before making investment decisions.

SEP IRA

Features

Invest pre-tax dollars

Tax-free growth

Employer Contributions:

1-25% of employees’ income**

Employers are not required to contribute every year 

Employee Contributions:

None

 

Employer's Role

Must certify exemption

Submit employees' contributions

Key Exclusion Criteria

Employees must have worked 3 of last 5 years and earned at least $600 per year.

Owner/Employee-centered

Total traditional IRA and Roth IRA contributions cannot exceed $6,000 for 2019 and may be made in addition to SEP contributions.

 

Investment Options

Very diverse with TMFS

*This is for informational purposes only, please speak to a financial professional before making investment decisions.

**Self-employment tax must be subtracted which results in a lower maximum contribution.

SIMPLE IRA

Features

Invest pre-tax dollars

Tax-free growth

Employer Contributions:

2% non-elective

or

3% elective  

Employee Contributions:

Up to $13,000

+$3000 catch up for age 50+

 

Employer's Role

Must certify exemption

Submit employees' contributions

Key Exclusion Criteria

Employees must have worked 2 straight years and earned $5,000 and are expected to do so again.

Balanced

Employees only get company match if they participate

 

 

 

 

Investment Options

Very diverse with TMFS

*This is for informational purposes only, please speak to a financial professional before making investment decisions.

Employer Sponsored

About Half of Americans

 

Many employers help to pay for their employees' healthcare typically resulting in lower rates than for individual health insurance.

Medicare or Medicaid

More than 1/3rd of Americans

 

While Medicare is based on age and disability, Medicaid is income-based. We help with Medicare Advantage and Supplements.

Individual Insurance

About 7% of Americans

 

Private insurance not subsidized by an employer can be expensive. Let us help you navigate the marketplace.

Term Life Insurance

Premiums

Low-cost

Common Duration*

10 years, 20 years or 30 years

 

Cash Value:

Zero

Death Benefit:

Tax-free

*This assumes all premiums are payed on time and in full.

Universal Life

Premiums

Flexible

Duration*

Permanent (for life) 

Cash Value:

Yes

Grows tax-differed

Can be withdrawn tax-free as policy loans**

Death Benefit:

Tax-free

*This assumes all premiums are payed on time and in full.

**Under current tax law, policy loans are viewed as a return of principal and can be with taken out tax-free, certain restrictions such as those imposed on modified endowment contracts may apply.

Whole Life

Premiums

High

Duration*

Permanent (for life) 

Cash Value:

Yes

Grows tax-differed

Can be withdrawn tax-free as policy loans**

Death Benefit:

Tax-free

*This assumes all premiums are payed on time and in full.

**Under current tax law, policy loans are viewed as a return of principal and can be with taken out tax-free, certain restrictions such as those imposed on modified endowment contracts may apply.

Guaranteed Standard Issue (GSI) 

for groups of 5 or more people

 
 

Key Person Insurance

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