Investments & Insurance

Small Business Retirement Plans

Defined Benefit Plans by Artisans' Financial Services

Defined Benefit plans are funded by the business and promises employees a specific monthly income benefit at retirement. This type of retirement plan allows for large tax deductible contributions to be made annually.


401k Plans

Traditional 401k’s allow employees to maximize salary deferral to retirement savings, while the employer can match employee contributions at their discretion. The contributions into a 401k are tax deductible for the business and are pre-tax for the employees.

Roth 401k’s can be an additional option within a 401k plan. This option allows employees to contribute after-tax money to their 401k’s and then the retirement distributions would be tax free.

Solo 401k’s are specifically for Owner-Only Businesses. This type of plan allows an individual to contribute more money than a SEP or SIMPLE IRA allows.


SEP IRA

A Simplified Employee Pension Plan (SEP) IRA is a low cost retirement plan that is funded solely by the employing business. Contributions into a SEP IRA are tax-deductible for the business.


SIMPLE IRA

A SIMPLE IRA is similar to a 401k, however it is designed for businesses with fewer than 100 employees. Like a 401k the business and the individual employees both contribute to the plan. Unlike the 401k the employer does not have the same discretion on matching contributions, the business must either match 3% to the participating employees or, match 2% to all employees participating or not.


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  • Investment Products Are Not FDIC Insured
  • Not Bank Guaranteed
  • May Lose Value
  • Not Guaranteed by any Government Agency
  • Not a Bank Deposit


Securities offered through LPL Financial, Member FINRA, SIPC. Insurance products offered through LPL Financial or its licensed affiliates.


The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Delaware, Florida, Massachusetts, Maryland, New Jersey, and Pennsylvania. Artisans' Bank is not a Broker Dealer and is not affiliated with LPL Financial.


Business and Succession Planning

A well structured succession plan protects you, your family and your employees. Succession Planning allows business owners to have confidence, knowing that when the time comes to transition management and ownership there is a plan in place to assure that the transition is as smooth as possible.


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  • Investment Products Are Not FDIC Insured
  • Not Bank Guaranteed
  • May Lose Value
  • Not Guaranteed by any Government Agency
  • Not a Bank Deposit
  • Securities offered through LPL Financial, Member FINRA, SIPC. Insurance products offered through LPL Financial or its licensed affiliates.


The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Delaware, Florida, Massachusetts, Maryland, New Jersey, and Pennsylvania. Artisans' Bank is not a Broker Dealer and is not affiliated with LPL Financial.


Business Continuation Insurance

Business Continuation Insurance allows your business to continue to operate in the event of the death of you the business owner or partner. This type of Insurance protects business assets from forced liquidation by making funds available to surviving family members and partners at the time of death.


*Have an experienced Insurance Specialist in Small Business Contact You, Click Here


  • Investment Products Are Not FDIC Insured
  • Not Bank Guaranteed
  • May Lose Value
  • Not Guaranteed by any Government Agency
  • Not a Bank Deposit
  • Securities offered through LPL Financial, Member FINRA, SIPC. Insurance products offered through LPL Financial or its licensed affiliates.


The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Delaware, Florida, Massachusetts, Maryland, New Jersey, and Pennsylvania. Artisans' Bank is not a Broker Dealer and is not affiliated with LPL Financial.


Buy Sell Agreements For Your Business

Do your family members have the skill and time to step into your roll in the business in the event of your death?


The success of a business is often times better left in the hands of your business partners. A Buy-Sell Agreement or Cross-Purchase Plan can allow your partners to purchase your share or a portion of your share of the business from your estate.


*Have an experienced Insurance Specialist in Small Business Contact You, Click Here


  • Investment Products Are Not FDIC Insured
  • Not Bank Guaranteed
  • May Lose Value
  • Not Guaranteed by any Government Agency
  • Not a Bank Deposit
  • Securities offered through LPL Financial, Member FINRA, SIPC. Insurance products offered through LPL Financial or its licensed affiliates.


The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Delaware, Florida, Massachusetts, Maryland, New Jersey, and Pennsylvania. Artisans' Bank is not a Broker Dealer and is not affiliated with LPL Financial.


Corporate Life Insurance

Corporate-Owned Life Insurance is to cover key people or officers within a company in order to indemnify the business against the loss of knowledge and/or experience. Corporate-Owned Life Insurance can also assist in the financing of an employee benefit plan.


*Have an experienced Insurance Specialist in Small Business Contact You, Click Here


  • Investment Products Are Not FDIC Insured
  • Not Bank Guaranteed
  • May Lose Value
  • Not Guaranteed by any Government Agency
  • Not a Bank Deposit
  • Securities offered through LPL Financial, Member FINRA, SIPC. Insurance products offered through LPL Financial or its licensed affiliates.


The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Delaware, Florida, Massachusetts, Maryland, New Jersey, and Pennsylvania. Artisans' Bank is not a Broker Dealer and is not affiliated with LPL Financial.



Split Dollar Life Insurance

Split-Dollar Life Insurance can allow employees to purchase life insurance at a reduced cost by splitting the cost with the company. In the event of the employee's death the company will receive either the cash value of the policy or the total cost of the premiums paid, while the decedents beneficiaries will receive the amount of the death benefit, less what is paid to the business.


*Have an experienced Insurance Specialist in Small Business Contact You, Click Here


  • Investment Products Are Not FDIC Insured
  • Not Bank Guaranteed
  • May Lose Value
  • Not Guaranteed by any Government Agency
  • Not a Bank Deposit
  • Securities offered through LPL Financial, Member FINRA, SIPC. Insurance products offered through LPL Financial or its licensed affiliates.


The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Delaware, Florida, Massachusetts, Maryland, New Jersey, and Pennsylvania. Artisans' Bank is not a Broker Dealer and is not affiliated with LPL Financial.


Key Employee Life Insurance

Key Employee Insurance is life or disability insurance the covers critical employees that may have a direct effect on the business’ bottom line. The benefit paid to the business can assist the business in finding and training a replacement person as well as making up for the lost sales or earnings that occur due to the loss of the employee.


*Have an experienced Insurance Specialist in Small Business Contact You, Click Here


  • Investment Products Are Not FDIC Insured
  • Not Bank Guaranteed
  • May Lose Value
  • Not Guaranteed by any Government Agency
  • Not a Bank Deposit
  • Securities offered through LPL Financial, Member FINRA, SIPC. Insurance products offered through LPL Financial or its licensed affiliates.


The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Delaware, Florida, Massachusetts, Maryland, New Jersey, and Pennsylvania. Artisans' Bank is not a Broker Dealer and is not affiliated with LPL Financial.