Malleo Financial Services

Michael A. Malleo 

Phone: 201-321-7041


State of New Jersey Department of Banking and Insurance Licensed Producer: Title, Life, Health 


State of New Jersey

Notary Public Commission: 

Notary Public 


Title Insurance Terms:

Owner's Title Insurance Policy –  A policy which is purchased by the homebuyer. While it is the buyer's choice, purchasing an "owner's title insurance policy" is the best way to protect your property rights, as well as your trustees, inheritors, and beneficiaries.


Member of ALTA
Member of ALTA




















*The opinions expressed on this website are strictly those of Malleo Financial Services, LLC and not those of ASH Brokerage Corp.., or any of our affiliates.


*Malleo Financial Services LLC cannot and

will not give any tax or legal advice.


Business Retirement Plans

Retirement plans help both the employer and the employee

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

It is estimated that 70% to 90% percent of pre-retirement income is needed to maintain someone’s current standard of living when they stop working. A retirement savings plan allows you and your employees to save for the future. Retirement plans may also help you attract and retain qualified employees, and can offer tax benefits to your business.

Retirement plans have significant tax advantages:

  • Employer contributions are deductible from the employer’s income,
  • Employee contributions (other than Roth contributions) are not taxed until distributed to the employee
  • Money in the plan grows tax-deferred


Retirement plans can be IRA based, or qualified profit-sharing plans like 401K’s. The right plan for your business will depend on your company's goals, needs, and budget. In addition to advising employers on the plan that is most appropriate for them, we also work with individual employees to help them determine the best way to allocate their funds.


*To learn more about other strategies for your business, please visit our "Articles" section and view the topic "Business Planning".



"SIMPLE-IRA" plans are a great low cost option for business owners.  To see how one can help your business, watch the video below from American Funds. (Takes you to YouTube)



2017 Contribution Limit to a SIMPLE IRA Plan is $12,500 ($15,500 for employees age 50 and older).



For a free in-home or in-office consultation, 

please contact us for an appointment.