top of page
Search

Choosing a Beneficiary for Your IRA or 401(k)



Dear Valued Employee,

 

As the financial advisor of your 401(k) plan, we want to ensure that you have all the tools and resources necessary to make informed decisions when it comes to your financial future.

 

Via the links below, you will find articles published in major publications on making sure you know where all your money is, and outlining beneficiary procedures, both key steps to ensuring a successful retirement plan.

 

If you think you have old and forgotten retirement plans lying around with your previous employers, there may be a way to track it down now. The Department of Labor (DOL) has launched a 'Retirement Savings Lost and Found Database' to help people find their old pension plans and 401(k)s.

 

Nov 12, 2024

If you're choosing a beneficiary for your retirement benefits (your IRA or 401(k), for example), be sure you understand the income tax and estate tax implications. Your choice of beneficiary can potentially affect distribution requirements during your life as well as distribution options after.


Remember, I am here to help answer any questions you may have regarding your 401(k) plan. Your financial well-being is my top priority, and I am here to support you every step of the way.


401k Consultation

•        How to enroll in the 401K

•        How to rollover from an existing 401K into the 401K

•        Distribution & Loan Options

•        Setting proper Salary deferral

•        Limits on contributions

•        Benefits of contributing to a traditional OR Roth IRA

•        Performance assessment

•        Risk Tolerance & Retirement Goals

•        Available investments in the plan

 

Additional products and services:

 

•        Life Insurance

•        Auto/Home Insurance

•        Business Insurance (GL, Work Comp, Commercial Auto and Professional Liability)

•        Financial Planning

•        Estate Planning

*Please note: The information provided in this material is for educational and informational purposes only and does not take into account any particular investment objectives, financial situation or needs, and is not a solicitation or recommendation of any investment strategy and/or to buy or sell any of the products mentioned. Investing involves risk, including the potential loss of principal. There is no assurance that any investment strategy will achieve its objectives, and investments are not suitable for all persons. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Any investment advisory services shall be offered through PARTNERS Wealth Management LLC, an SEC-Registered Investment Advisor.

Thank you for trusting me with your financial future. Together, we can secure a brighter tomorrow!

 

Best regards,

Dale Walker 

Investment Advisor Representative 

619-349-4118 Office 619-957-2683 Cell 

ThePARTNERS Wealth Management

299 Webster Street

Monterey, CA 93940


 

Investment Advisory services are provided by PARTNERS Wealth Management, LLC., an SEC-registered investment advisor. Registration with the SEC does not imply a certain level of skill or training. Representatives of an entity listed may only conduct business with residents of the states and jurisdictions they are properly registered. Check the background of the investment firm on SEC’s  Adviser Check.

 

The information contained in this e-mail message is intended only for the personal and confidential use of the recipient(s) named above. If the reader of this message is not the intended recipient or an agent responsible for delivering it to the intended recipient, please notify us immediately by e-mail, and delete the original message without any review/dissemination thereof. Please remember to contact ThePARTNERS Wealth Management, LLC, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you want to impose, add, to modify any reasonable restrictions to our investment advisory services. A copy of our current written disclosure statement discussing our advisory services and fees continues to remain available for your review upon request. Please do not leave instructions to buy or sell securities as your trade will not be executed. Please also be advised that there can be no assurance that any email request will be reviewed and/or acted upon on the day it is received-please be guided accordingly. 

Securities offered through Purshe Kaplan Sterling Investments, Member FINRA/SIPC Headquartered at 80 State Street, Albany, NY 12207 Purshe Kaplan Sterling Investments and The Partners Wealth Management are not affiliated companies. 

619-349-4118 ext.203 

aprillewis-gies@thepartnerswm.com

299 Webster Street
Monterey, CA 93940 

Legal Disclosures: Check the background of ThePARTNERS Financial Solution Financial Professionals (ThePARTNERS Financial Solutions) on FINRA’s BrokerCheck. ThePARTNERS Financial Solutions provides its investment advisory services through ThePARTNERS Wealth Management, LLC dba ThePARTNERS Wealth Management (ThePARTNERS), an investment adviser registered with the Securities and Exchange Commission (SEC). Registration with the SEC does not imply a certain level of skill or training.

​

ThePARTNERS Financial Solutions is not affiliated with ThePARTNERS.
The statements, claims, content, and/or commentary made herein and in ThePARTNERS Financial Solutions and ThePARTNERS’ other websites, videos, podcasts, blog posts, articles, and other publications or materials (collectively, the “Materials”) provide general market commentary or information and/or express the personal opinion of the author or speaker, which does not necessarily reflect the views or opinions of ThePARTNERS Financial Solutions and ThePARTNERS. The content in the Materials should not be interpreted as providing legal, tax, or investment advice, nor is it a solicitation to effect, or attempt to effect transactions in securities. Additionally, it does not constitute the rendering of personalized investment advice for compensation over the internet. It is intended for informational purposes only.


ThePARTNERS and its representatives may only transact business or provide investment advice in states where registered, where required notices have been filed, or where they are otherwise excluded or exempted from such registration or filing requirements. Please check with us to ensure we are registered in your state.
 

Neither ThePARTNERS Financial Solutions nor ThePARTNERS provide accounting, legal, or tax advice. Please consult your accountant, legal, and/or tax advisor for specific information relating to your individual situation.


ThePARTNERS Financial Solutions and ThePARTNERS make no guarantee that the objectives associated with a particular strategy will be achieved or profitable. Past performance is no guarantee of future performance and investors may lose their entire investment.


If any performance reports are displayed on this website, they are not intended to replace or supersede custodian-generated reporting. ThePARTNERS Financial Solutions and ThePARTNERS encourage a periodic comparison of performance reports to same-dated custodial statements. Security prices have been obtained from sources believed to be reliable, but accuracy or completeness cannot be guaranteed. Occasional minor variations may exist due to certain pricing differentials, accrued interest calculation methodology, and/or trade date versus settlement date convention. Investment performance cannot be properly evaluated by comparing total cost to total market value. Only changes in market value over time adjusted for deposits and withdrawals should be utilized for this purpose. Cost figures may not be appropriate for tax purposes.


All investments in securities involve a risk of loss of capital and no guarantee or representation can be made that an investment will generate profits or that an investment will not incur a total loss of invested capital. Furthermore, nothing herein is intended to imply that ThePARTNERS Financial Solutions and ThePARTNERS’ investment strategies may be considered “conservative”, “safe”, “risk free” or “risk averse.”


Certain information on the Materials has been obtained or derived from unaffiliated third-party sources believed by ThePARTNERS Financial Solutions and ThePARTNERS to be reliable. Neither ThePARTNERS Financial Solutions and ThePARTNERS nor any of their affiliates or representatives make any representation or warranty, express or implied, as to the accuracy or completeness of the information contained herein.


The investment services and products mentioned on the Materials may often have tax consequences; therefore, it is important to bear in mind that ThePARTNERS Financial Solutions and ThePARTNERS do not provide tax advice. The levels and bases of taxation can change. Investors' tax affairs are their own responsibility and investors should consult their attorneys or other tax advisors in order to understand the tax consequences of any products and services mentioned herein.

©2026 by THE PARTNERS

bottom of page