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630-929-1100
1733 Park Street, Suite 150
Naperville, IL 60563

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The SARP® (Sales Associate Retirement Program) is a program designed to help independent sales professionals deal with one of the most pressing financial concerns that we eventually all need to address – retirement planning.  Because of their very busy schedules, sales people rarely set aside the time necessary to plan for their retirement. Since it is a commission deduction program that allows you to "pay yourself first" by contributing to a retirement account in a systematic –– disciplined –– way, the SARP® helps make planning and saving for retirement easy.

 


Sales Associate Retirement Program-SARP

The SARP is a "Commission Deduction Process" that gives sales associates the ability to defer a percentage of their earnings into their own personal retirement plan. As an independent  contractor there is no employer-employee relationship between you and Charles Rutenberg Realty. Therefore, the issue of retirement planning becomes one that must be addressed personally.

SARP is a pre-tax retirement plan that can either be a SEP or a SIMPLE IRA.

A SEP is a Simplified Employee Pension Plan.

A SIMPLE IRA Plan is a Savings Incentive Match Plan for Employees of Small Employers.

How It Works

The sales agent signs an "authorization letter" that permits Charles Rutenberg Realty to deduct a percentage (up to 20%, to a maximum of $44,000 per year) from each of their commission checks. The money is contributed directly into the retirement account established by the individual sales associate. By contributing to SARP your taxable earnings are reduced by the full amount of your contribution up to the specified limit.


For more information visit SARP.MyAXA-Advisors.com
or contact AXA Advisors
Keith Karchmar 847-498-7142 or
Brian Rosen 847-291-3060