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 Business Investors 

IBC Investment Services provides business owners with access to investment products and financial services designed to grow and preserve your assets.

An important tool in attracting and retaining key employees is the availability of a retirement plan.

Based on your particular business, we can help you choose from various types of qualified retirement plans, including:

  • Full service 401(k)
  • SEP IRAs
  • Simple 401(k) and IRAs
  • Profit Sharing Plan
  • Money Purchase Plan
  • Defined Benefit Plan 412(i)


The 401k retirement plan is a trust in which employees are allowed to contribute a portion of their compensation before paying taxes. Some employers also provide participants with matching funds to the employee's account as part of their benefits package, in turn attracting and keeping key employees. 401ks are widely regarded as an excellent financial tool and means of building retirement assets, benefiting the employee as well as the employer in many ways.


Simplified employee plans (SEPs) are just what they imply. These plans do not have the administrative requirements of other retirement plans, yet provide attractive benefits to employees including pre-tax contributions.

Simple IRAs

Smaller employers are able to provide retirement benefits to their employees with less administrative paperwork through Simple IRAs. Your employees make tax-deferred contributions via salary reductions and employers can benefit from tax deductible contributions as well.

Profit Sharing

Employer contributions to profit sharing plans are discretionary and are typically based on the earnings of the business as the name implies. Employees are not allowed to contribute to profit sharing plans.

Pension Plans

If you're self-employed or you run a small business or professional practice, IBC Investment Services can help you create a cost-effective plan suited for employers seeking to allow larger employer contributions favoring older, higher compensated employees.

Defined Benefit Plan 412(i)

Businesses may want to use a defined benefit pension plan 412(i) if they are a smaller firm with older, higher paid employees who are owners or shareholders. If there is not much time to build a substantial retirement fund for key employees (including owners) and the company has the financial ability to fund the plan, a defined benefit plan is often a good choice.

Key Employee Insurance

Key employee life insurance helps reimburse a business for economic loss that occurs when a key employee dies. The insurance covers the life of an employee who is critical to the success and profitability of the business. Key employee life insurance is not a specific type of policy, but is a way to use life insurance to offset a business risk.

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Securities and Insurance products offered through LPL Financial and its affiliates, Member FINRA / SIPC. International Bank of Commerce is not a registered broker dealer and is not affiliated with LPL Financial.


This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. registered representatives. LPL Financial Services’ U.S. registered representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.