Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed finibus sed libero nec faucibus. Phasellus nec dolor a eros euismod fringilla at quis eros. Integer porta erat at justo tincidunt, ut tincidunt est pretium. Fusce sit amet pharetra nibh. Duis convallis libero eget est fermentum sodales. Sed convallis arcu urna, id euismod felis posuere eu. Nunc sit amet orci eu nisl lobortis porta non vel magna. Nam porttitor a orci vel viverra. Suspendisse potenti.
Aliquam in enim at turpis bibendum mollis quis ut erat. Etiam vulputate massa et consequat lobortis. Donec accumsan sagittis mi, a rutrum risus semper nec. Proin placerat nec ex feugiat scelerisque. Curabitur nec velit enim. Duis nunc eros, elementum quis ex at, viverra rutrum magna.
Nam vulputate diam at quam sodales gravida. Orci varius natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus. Mauris vitae urna sem. Donec dictum orci ac sapien rutrum, in sollicitudin dui auctor. Sed tellus augue, facilisis non ligula eget, sollicitudin faucibus dolor. Fusce at lacus et ligula congue consequat. Morbi turpis justo, facilisis molestie lacinia vel, sodales nec arcu.
Aenean non arcu eu erat blandit viverra eu at lacus. Curabitur condimentum viverra arcu, non vestibulum tellus sollicitudin in. Suspendisse sagittis velit a rutrum pretium. Proin nisi nisi, sollicitudin eu elementum sit amet, rhoncus vel justo. Nam facilisis vitae augue in eleifend.
Sed condimentum sem et erat semper, non luctus justo sagittis. Mauris elementum metus metus. Lorem ipsum dolor sit amet, consectetur adipiscing elit.
Fusce tincidunt risus elit, sed mattis enim porttitor eget. Quisque volutpat efficitur nibh. Aenean bibendum neque eu ligula condimentum, in viverra dui facilisis
Fusce tincidunt risus elit, sed mattis enim porttitor eget. Quisque volutpat efficitur nibh. Aenean bibendum neque eu ligula condimentum, in viverra dui facilisis
Fusce tincidunt risus elit, sed mattis enim porttitor eget. Quisque volutpat efficitur nibh. Aenean bibendum neque eu ligula condimentum, in viverra dui facilisis
Fusce tincidunt risus elit, sed mattis enim porttitor eget. Quisque volutpat efficitur nibh. Aenean bibendum neque eu ligula condimentum, in viverra dui facilisis
Sed condimentum sem et erat semper, non luctus justo sagittis. Mauris elementum metus metus. Lorem ipsum dolor sit amet, consectetur adipiscing elit.
EBI welcomes new hires for business development, members services EBI, an Arkansas-based firm specializing in innovative employee benefits plans for schools and school districts, has hired Ken Rich...
Read More
Last week, EBI leaders and team members attended a luncheon event sponsored by Arkansas Business Publishing Group, where EBI was named one of the “Best Places to Work”...
Read MoreEmployer savings averaging 22.5% for new clients, plus annual arrangements that generate year-over-year savings and pricing improvements.
We provide our clients and their employees with customized benefit packages and
an “Intentionally Different” level of service. Through ongoing communication efforts, we effectively guide our customers through the complex healthcare delivery system.
We carefully monitor high claims through case management, triage services, and utilization reviews.
Regular financial benchmarking provides an excellent guide for building a successful health benefits strategy.
These initiatives – are tailored to fit the needs of each client and their employees based on claims data.
Our platform provides employers with transparent reporting customized to meet their specific needs.
Employer savings averaging 22.5% for new clients, plus annual arrangements that generate year-over-year savings and pricing improvements.
We provide our clients and their employees with customized benefit packages and
an “Intentionally Different” level of service. Through ongoing communication efforts, we effectively guide our customers through the complex healthcare delivery system.
We carefully monitor high claims through case management, triage services, and utilization reviews.
Regular financial benchmarking provides an excellent guide for building a successful health benefits strategy.
These initiatives – are tailored to fit the needs of each client and their employees based on claims data.
Our platform provides employers with transparent reporting customized to meet their specific needs.
We provide employers with the strongest pharmacy contract available to ensure the deepest discounts and rebates.
Our plans are structured based on utilization, designed to promote preventative care, and focused on lowering annual claims costs.
Sed condimentum sem et erat semper, non luctus justo sagittis. Mauris elementum metus metus. Lorem ipsum dolor sit amet, consectetur adipiscing elit.
Compliance support can help ensure adherence to relevant laws, regulations, and standards pertaining to human resources practices. Consultants offer comprehensive reviews of HR policies, procedures, and practices to identify potential areas of non-compliance and recommend necessary adjustments. They also assist in implementing and updating policies to align with changing legal requirements, such as those related to labor laws, equal employment opportunity, workplace safety, and data protection. In addition, compliance consultants provide ongoing support and training to HR staff and management teams to promote a culture of compliance throughout the district. Compliance support can help you mitigate legal risks, avoid costly penalties, and uphold ethical standards in workforce management practices.
Yes. In addition to the plans offered through through employers (typically a 401K) or schools (like ATRS, 403(b), or 457), you can open a personal retirement plan on your own.
Traditional IRA (Individual Retirement Account):
Contributions may be tax-deductible (depending on income).
Taxes are paid when you withdraw funds in retirement.
Roth IRA:
Contributions are made with after-tax dollars.
Growth and qualified withdrawals in retirement are tax-free.
Other Savings Vehicles:
Brokerage accounts, CDs, or annuities can also be used to supplement your retirement savings.
When you save for retirement in a 403(b), 457, or 401(k), you may have the option to contribute either pre-tax or Roth (after-tax) dollars. The difference comes down to when you pay taxes.
Tax Benefit Now – Money goes in before taxes are taken out of your paycheck.
Reduces Current Taxable Income – This lowers the taxes you pay today.
Taxes Later – You’ll pay income taxes on both contributions and earnings when you withdraw them in retirement.
Best For: People who expect to be in a lower tax bracket when they retire.
Example: If you earn $40,000 and contribute $4,000 pre-tax, you’re only taxed this year as if you earned $36,000.
No Immediate Tax Break – Money goes in after taxes are taken from your paycheck.
Tax-Free Growth – Earnings grow tax-free.
Tax-Free Withdrawals – In retirement, qualified withdrawals are completely tax-free.
Best For: People who expect to be in a higher tax bracket in retirement or want tax-free income later.
Example: If you contribute $4,000 Roth, you pay taxes on your full $40,000 today — but you won’t owe taxes when you take out that $4,000 (plus growth) in retirement.
An annuity is a financial product that provides a steady stream of income in retirement. It’s often used to help cover the gap between pension income and what you’ll actually need to live comfortably.
Income for Life (or a set period): You can choose an annuity that pays you monthly for life, or for a specific number of years.
Purchased with Savings: Annuities are typically bought with retirement savings, either all at once or over time.
Predictable Payments: They offer consistent, reliable income, regardless of market ups and downs.
Variety of Options: Some annuities include extras like survivor benefits, inflation protection, or flexible payout schedules.
There are three main types of annuities: fixed, variable, and indexed, each with different levels of risk, potential returns, and guarantees.
Employer-Provided Guarantee – A pension promises you a specific monthly income for life, usually based on your salary and years of service.
Little Employee Management – Your employer manages the plan investments and carries the risk.
Predictable Income – You know what you’ll receive when you retire.
Less Common Today – Most common in public sector jobs, such as schools and government.
Example: A teacher retiring after 30 years may receive a fixed monthly check from their school district’s pension system (like ATRS).
Employee-Directed Savings – You decide how much to contribute and where to invest it (within plan options).
Investment Risk on Employee – Your retirement balance depends on investment performance.
No Guaranteed Payout – You can withdraw savings in retirement, but there’s no fixed lifetime check.
Employer Match Possible – Some employers contribute matching funds, boosting your savings.
Example: A private-sector employee saving 6% of their paycheck in a 401(k), with their company adding a 3% match, invests and grows that money until retirement.
Our offerings include personalized financial assessments, educational seminars, and ongoing support to ensure that every client feels confident about their retirement path.
