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Defined Benefit Plans
Defined benefit plans are traditional plans that promise a certain monthly benefit upon retirement. The employee's retirement income is based on a formula that takes into account factors such as age, earnings, and years of service.
Defined Contribution Plans
In recent years, most companies have shifted to defined contribution plans. The benefits at retirement are not guaranteed but are based on the funds accumulated in each employees account. Examples of defined contribution plans include:
  • Profit-sharing plans
  • Money purchase plans
  • 401(k) plans
Contact us to learn more about pension plans and how it can help your business attract and retain employees
Securities offered through LPL Financial, Member FINRA / SIPC. Insurance products offered through LPL Financial or its licensed affiliates. IBC Bank and IBC Investment Services are not registered broker/dealers and are not affiliated with LPL Financial.
Not FDIC Insured Not Bank Guaranteed May Lose Value
Not Insured by Any Government Agency Not a Bank Deposit
This site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial U.S. registered representatives may only conduct business with residents of the states for which they are properly registered: Alabama, Arkansas, Arizona, California, Colorado, Delaware, Florida, Georgia, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Virginia and Washington. Please note that not all of the investments and services mentioned are available in every state.
IBC Bank Investment - Brokerage Account
IBC Bank Investment - Brokerage Account
Access your brokerage account here.