INDIVIDUALS
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EMPLOYERS
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PAYROLL PROVIDERS, HCMs and PEOs
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What is a PayLink IRA?
PayLink IRA is a premier Payroll Deduction IRA provider. Payroll Deduction IRAs are a no-cost, no-fuss alternative to employer-sponsored plans like 401(k)s — a great option for small and mid-sized employers looking to help employees save for retirement. PayLink IRA’s offering is a superior alternative to state-sponsored IRA plans and meets all enacted state-mandated retirement savings laws.
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Payroll Deduction IRAs have been available for years, but have traditionally been limited in their offerings and scope. PayLink IRA removes those limitations.
We've combined modern technology with decades of group retirement experience to offer an exciting new alternative to large retirement plans and retail IRA accounts.
Our average account opening time is roughly 10 minutes. PayLink IRAs are available as Traditional, Roth, or Rollover accounts.
Want to know more? Here's what the IRS says about them.
We've combined modern technology with decades of group retirement experience to offer an exciting new alternative to large retirement plans and retail IRA accounts.
Our average account opening time is roughly 10 minutes. PayLink IRAs are available as Traditional, Roth, or Rollover accounts.
Want to know more? Here's what the IRS says about them.
Institutional pricing for the individual investor.
PayLink IRA works with your company's Human Resources department and payroll provider to give individuals and employees access to institutional investment pricing — the same kind of pricing typically reserved for large employer retirement plans.
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Large group retirement plans have one big advantage: they use the size of their workforce to lower investment costs for every employee. PayLink IRA was built to bring that same advantage to small and mid-sized businesses — and their employees.
Here's why that matters: lower investment costs mean more of your money stays invested and growing in your nest egg, which means higher returns over time, all else being equal. As the saying goes, control what you can control — and PayLink IRA helps you control your investment costs.
We do this the same way 401(k)s and other group plans do it: group purchasing power. PayLink IRA pools retirement account investments across all of our clients to negotiate institutional pricing — the same investments, the same money managers, at a much lower cost, with no minimum investment required.
Here's why that matters: lower investment costs mean more of your money stays invested and growing in your nest egg, which means higher returns over time, all else being equal. As the saying goes, control what you can control — and PayLink IRA helps you control your investment costs.
We do this the same way 401(k)s and other group plans do it: group purchasing power. PayLink IRA pools retirement account investments across all of our clients to negotiate institutional pricing — the same investments, the same money managers, at a much lower cost, with no minimum investment required.
Institutional management for the individual investor.
One historical and significant advantage of large group retirement plans like 401(k)s is their ability to access the most rigorous, disciplined investment management available — the kind of expertise typically reserved for large institutional plans.
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Large retirement plans typically give employees access to a wide range of investment managers and options. PayLink IRA was built to bring that same advantage to individual investors.
To do this, PayLink IRA partners with Henderson Brothers Asset Management (HBAM), acting as investment adviser through the IRALOGIX platform. HBAM brings deep institutional experience to PayLink IRA — screening and selecting from thousands of investment alternatives to build the fund lineups and portfolios available to you.
PayLink IRA investors can choose the level of guidance that fits them: invest with financial advice, or without, for those who prefer to "chart their own course."
Specifically, investors may choose to:
Either way, every investment at PayLink IRA is offered at the lowest institutional cost.
Investment advisory services offered through Henderson Brothers Financial Partners LLC, an SEC registered investment advisor. For more information about HBFP, or to receive a copy of disclosure Form ADV contact us or visit https://hbfp1893.com or https://adviserinfo.sec.gov/firm/summary/333732.
To do this, PayLink IRA partners with Henderson Brothers Asset Management (HBAM), acting as investment adviser through the IRALOGIX platform. HBAM brings deep institutional experience to PayLink IRA — screening and selecting from thousands of investment alternatives to build the fund lineups and portfolios available to you.
PayLink IRA investors can choose the level of guidance that fits them: invest with financial advice, or without, for those who prefer to "chart their own course."
Specifically, investors may choose to:
- Invest a portion of each paycheck in one of twelve Custom Target Date Portfolios — models built around their own unique retirement date, or
- Build a custom portfolio from dozens of funds hand-selected by HBAM from thousands of investment alternatives.
Either way, every investment at PayLink IRA is offered at the lowest institutional cost.
Investment advisory services offered through Henderson Brothers Financial Partners LLC, an SEC registered investment advisor. For more information about HBFP, or to receive a copy of disclosure Form ADV contact us or visit https://hbfp1893.com or https://adviserinfo.sec.gov/firm/summary/333732.
Institutional guidance for the employer/payroll services provider.
If you're an employer looking to satisfy state retirement savings mandates, look no further. Payroll Deduction IRAs check the box — they're easy to set up and carry virtually no administrative burden. PayLink IRA does the work, so you don't have to labor.
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PayLink IRA works through industry-leading custody and clearing firms, giving you and your employee/investors fast, reliable account access and easy reporting.
Considering your options? Our team brings more than 50 years of expertise to help you evaluate what fits your business best — comparing a payroll deduction IRA against your current retirement plan (if you have one), or against other payroll deduction IRA providers you may be considering. We help you make sense of the marketplace, not just sell you a product.
And unlike most state-sponsored IRA plans, which offer limited selection, PayLink IRA is available in both Roth and Traditional IRAs.
Considering your options? Our team brings more than 50 years of expertise to help you evaluate what fits your business best — comparing a payroll deduction IRA against your current retirement plan (if you have one), or against other payroll deduction IRA providers you may be considering. We help you make sense of the marketplace, not just sell you a product.
And unlike most state-sponsored IRA plans, which offer limited selection, PayLink IRA is available in both Roth and Traditional IRAs.
How do I find out more?
We're glad you asked! Contact us here.
Or find out more: Dedicated resources for Employers, Individuals/Employees and Payroll Providers.
Or find out more: Dedicated resources for Employers, Individuals/Employees and Payroll Providers.
