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"It's not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for." - Robert Kiyosaki

Business Meeting

Hanover Financial Solutions

H.F.S. is an independent financial firm that specializes in Retirement Investment Planning. We offer unbiased, financial management & advisory services. If you have a 401K with your current or previous employer, you've come to the right place for help.

H.F.S. takes pride in offering a fair & honest service to its customers:

  • Flat Fee-Only Financial Advice to manage investments in your account.

  • No Commissions on your account balance.

  • No Hidden Fees.

  • No Management Fees.

  • No Transferring of Your Assets. Your Assets stay in Your Account.

Management & Advisory Services

401K Plans use Pre-tax contributions from your paycheck that go into an employer-sponsored pension account and may be matched by the employer up to a certain percent. You pay taxes on a 401K when you withdraw funds in retirement.

This is a relatively new addition to employer-sponsored pension plans that may be offered in addition to a 401K plan. A Roth 401K consists of after-tax money from your paycheck that goes into your pension account. You do not have to pay taxes on it when you withdraw in retirement.

If you have a 401K with a previous employer, you can either keep it in that employer-sponsored pension account or roll it over into an IRA at the firm of your choice, where you can choose your own mutual funds or stocks. You pay taxes on an IRA when you withdraw funds in retirement.

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