AmeriServ Financial

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Trust & Investments
TRUST AND INVESTMENT SERVICES
RETIREMENT SERVICES
401K Plans
403B Plans
SEP Plans
Profit Sharing Plans
Non-Qualified Plans
Pension Plans
Cash Banlance Plans
One-Stop Plan Administration
IRAs / Rollovers
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AmeriServ Financial, Inc.
Online Banking		 TRUST & INVESTMENT

RETIREMENT SERVICES

401K Plans
There's no better retirement investment for employee recruitment and retention available today. A 401(k) plan provides supplemental retirement income for your employees. Participants save money on a pre-tax basis, and access an attractive mix of investment options to meet conservative or aggressive savings goals. Program participants can even access their account at any time with Planvoice, our telephone account access system. As with all business retirement programs, AmeriServ Trust and Financial Services Company administers your employee accounts and regularly delivers on-site training for employees and human resource plan administrators.

403B Plans
This plan provides supplemental retirement income for employees of non-profit organizations. Employees save money on a pre-tax basis, and access an attractive mix of investment options to meet aggressive or conservative goals.

SEP Plans
For a small business that wants to provide a retirement benefit with the least administrative burden, AmeriServ Trust and Financial Services Company offers Simplified Employee Pension plans. They feature immediate vesting and the possibility of elective deferrals.


Profit Sharing Plans
These plans represent another means of providing retirement benefits for owners and employees. The flexibility of not requiring annual funding in lean years is often very attractive to the company owners and management.

Non-Qualified Plans
In some cases, special benefit provisions are required to attract or retain key employees. Our experience with non-qualified plans will be of great assistance to the company owners or management who are seeking to provide special benefits to only a few individuals.

Pension Plans
These plans provide a "defined benefit" to your employees upon retirement. Our attention to detail, local support and investment experts will help you to best achieve your company's retirement benefit goals. Using precise formulas, we can even show you estimates of how various investment scenarios will do over time and possibly lower the annual cost of funding the plan.

Cash Banlance Plans
These plans represent another form of "defined benefit" plan except that the individual participants view their interest in the plan as a separate account as opposed to their interest being construed to be a fractional percentage of the overall plan.

One-Stop Plan Administration
All the services we offer in conjunction with our retirement plans are provided by our in-house staff of experienced professionals. They provide administration and compliance support to the plan administrator in conjunction with our sophisticated plan documents, periodic updates, government and tax reporting, and daily recordkeeping. Also included are customized employee education programs with a broad array of investment options. One AmeriServ Trust and Financial Services Company difference is the convenient accessibility of our key administrative, investment and operations staff who are directly responsible for providing the services we offer.

IRAs / Rollovers
AmeriServ Trust and Financial Services Company provides IRAs for first-time investors as well as expert rollover advice. IRAs may be funded with mutual funds, annuities or funds from former employer retirement accounts. We can tailor a prototype document and our services to meet your individual needs. A consultation on rollover distributions is provided at no charge.

                                       Certain Investments are:
                                                    Not A Deposit, Not FDIC-Insured, Not Insured By a Federal Governement Agency, Not Guaranteed By The Bank, May Go Down In Value     

Collage of man, woman and money.