Investment Services

Hero Image

Building Your Business for the Future

As a business owner, you invest in people and their futures. Wealth Management by CommunityAmerica understands the importance of making those investments, and can help ensure you’re securing a successful financial future for you and your employees.

Smiling male barista ready to prepare drink in the coffee shop.

Sole Proprietor Retirement Options

If you’re a sole proprietor, we have a variety of retirement options to suit your needs:

  • Simplified Employee Pension (SEP) IRA: Easy to set up, and contributions can often be higher than traditional IRA accounts.
  • Traditional IRA: Your contributions are tax-deferred, which means you pay taxes when you withdraw funds for retirement.
  • Roth IRA: Contributions to this account are made with after-tax dollars. So, when you withdraw funds for retirement, it’s tax-free.
  • Solo 401(k): Contribution limits can often be higher than traditional accounts.
  • Non-Qualified Annuities: Similar to the Roth IRA in that it's funded with post-tax dollars. Could be used to supplement other retirement accounts, as it's not part of a tax-advantaged retirement plan or IRA.

Confident small business owner standing at the restaurant counter while her two employees are diligently working behind.

Business Owner and Employee Retirement Options

If you’re a business owner looking for retirement plans for you and your employees, we offer a variety of options:
  • Savings Incentive Match Plan for Employees (SIMPLE) IRA: Easy to set up, has minimal participation requirements and comes with tax deductions for contributions the employer makes for employees.
  • Simplified Employee Pension (SEP) IRA: Easy to set up, but has more requirements for participation. Also comes with tax deductions for contributions the employer makes for employees.

Business owner reviewing finances on a tablet.

Get Started Online

Whether you’re looking to open an account or simply want to learn more about our business banking offerings, we’re here for you. Click the button below to reach out, and one of our business specialists will be in touch.
Message Us

Prefer to talk it over? Give us a call.

Call Us at 913.905.6673
Wealth Advisor goes over his investment strategy for the two Wealth Management clients.

Start Your Investment Strategy

Wealth Management by CommunityAmerica can help guide your short- and long-term goals to achieve financial peace of mind. Our Wealth Advisors, located right here in Kansas City, can advise you on how to save through your business, as well as how to diversify and invest outside the business.
Find Out More

Businesswoman shaking hands with another colleague in an office.

We’re Invested in Your Success

Our Private Bankers are dedicated to providing extensive and personal oversight on all your accounts — both personal and professional.
Find Out More

Business Member Favorites

Piggy Bank with Coin Being Inserted Icon

Savings

Build for the future with the help of our Business Savings Account.
Learn More
Mobile Phone with Mobile App Displayed Icon

Online & Mobile Banking

Manage your business finances anytime, anywhere.
Learn More
Money Icon

SBA Loans

Stay competitive and grow your business with the help of an SBA loan.
Learn More

Securities and advisory services offered through Copper Financial Network, LLC (“CuFi”), Member FINRA/SIPC. CuFi is a SEC registered investment adviser. CuFi is a wholly-owned subsidiary of CommunityAmerica Credit Union. Wealth Management by CommunityAmerica is a marketing name used by CuFi. For important disclosures from CuFi, including our Form CRS, please visit here. Investment and insurance products, including annuities:


Are Not Deposits

Are Not NCUA or otherwise Federally Insured

Are Not Bank Guaranteed

May Lose Value