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IMS: Your Personalized Investment Program

A Disciplined Approach to the Investment Process

1st Global’s Investment Management Solutions (IMS) program is designed to provide you with an orderly, disciplined approach to the investment process. IMS offers you a personalized program for investing, with customized portfolios, access to world-class asset managers and consolidated account performance reporting—all the elements you and your personal financial advisor need to help preserve and grow your wealth while managing for acceptable levels of risk. 

1st Global has the people, resources and commitment to excellence to help your personal financial advisor customize investment solutions for your unique wealth care needs.
  • IMS offers the added value of a disciplined investment program featuring:

  • A personal investment strategy built around your unique goals, time horizon and tolerance for market volatility

  • A written Investment Policy Statement(Available in some IMS programs) that establishes guidelines on how your portfolio will be managed

  • Access to the resources and skills of prominent professional investment managers

  • Comprehensive, detailed quarterly performance reports

  • 1st Global’s DALBAR award-winning service to support your personal financial advisor


Our approach to your wealth management needs is comprehesive and long-term. We strive to provide the right solutions for your financial challanges and goals and are committed to offering you advice in every area of financial services. We organize our wealth management around 10 key areas of wealth management planning, called Method 10.

Method 10 is a systematic process of discovery, analysis and application of wealth management planning tools designed to help you resolve the 10 crucial wealth management issues you are likely to face. From investment planning and income protection to estate planning and debt management, we help you arrive at a comprehensive picture of your financial situation and devise a plan of action.



Choosing a Retirement Plan: Retirement Plan Options

Starting a retirement savings plan can be easier than most people think.  What's more, there are a number of retirement programs that provide tax advantages to both employers and employees.

Payroll Deduction IRA
Even if an employer does not want to adopt a retirement plan, it can allow its employees to contribute to an IRA through payroll deductions, providing a simple and direct way for eligible employees to save.

Salary Reduction Simplified Employee Pension (SARSEP)
A SARSEP is a SEP set up before 1997 that includes a salary reduction arrangement. Because this is a simplified plan, the administrative costs should be lower than for other more complex plans. Instead of establishing a separate retirement plan, in a SARSEP, employers make contributions to their own IRA and the IRAs of their employees, subject to certain percentages of pay and dollar limits.

Simplified Employee Pension (SEP)
Simplified Employee Pensions (SEPs) provide a simplified method for employers to make contributions to a retirement plan for their employees.  Instead of establishing a profit-sharing or money purchase plan with a trust, employers can adopt a SEP agreement and make contributions directly to an individual retirement account or an individual retirement annuity established for each eligible employee.

Tax-favored retirement plans that certain small employers (including self-employed individuals) can set up for the benefit of their employees, a SIMPLE IRA plan is a written salary reduction agreement between employee and employer that allows the employee, if eligible, to choose to have the employer contribute the salary reductions to a SIMPLE IRA on the employee's behalf.

401(k) Plan
A type of defined contribution plan that allows employee salary deferrals and/or employer contributions.

SIMPLE 401(k) Plan
A type of defined contribution plan available to the small business owner with 100 or fewer employees.  Under a SIMPLE 401(k) Plan, an employee can elect to defer some compensation.  Unlike a standard 401(k) plan, the employer must make either: (1) a matching contribution up to 3% of each employee's pay, or (2) a non-elective contribution of 2% of each eligible employee's pay.

403(b) Tax-Sheltered Annuity Plan
Annuity plans for certain public schools, colleges, universities, churches, public hospitals, and charitable entities deemed tax-exempt under IRC section 501(c)(3).

Profit-Sharing Plan
A type of defined contribution plan which allows discretionary annual employer contributions.