Information Clifton, Nutley, Riverdell, Union City, and West Essex Board of Education Please be advised that the Clifton, Nutley, Riverdell, Union City, and West Essex Board of Education have approved me to be an authorized Financial Representative for the 403(b)(7) retirement plans. I welcome the opportunity to meet with you and discuss your financial situation. Financial advising is a process through which a strategy is designed to meet your goals and objectives. Nothing in life is accomplished without a strategy. It doesn`t cost anything to listen and I think you will find that once you do, you will like what you hear. Section 529 Plans A 529 plan is a state-sponsored tax-advantage savings vehicle designed to help families save for higher education. A 529 plan can be used to pay for expenses such as tuition, books, and room and board at any accredited college or university or professional or technical school in the nation. The 401k Plan for Owner-Only Businesses Who should consider: Any business that employs only owners and their spouses - including C corporations, S corporations, partnerships and sole proprietors - is a candidate. This type of plan is not suitable for businesses with employees, or those that may be contemplating expansion in the near future. Please contact myself for contribution limits and benefits.