Walnut Capital Management

The Smart Kind of Different

There’s different and then there’s different. We’re the smart kind of different—a different attitude, a different investment strategy, and a different way of looking at the market.

Our Services

Fixed Income

Trust Accounts

Brokerage Account

Retirement Accounts

Fee-Based & Portfolio Management Accounts

Stocks

What is an Exchange Traded Fund? (ETF’s)

An Exchange Traded Fund, or ETF, is a security that tracks an index or a bundle of assets, S&P 500, Nasdaq 100, the Dow Jones Industrial Average or the Lehman Treasury Index. An ETF may also represent a particular industry sector...Read More >>

Why Are Investors Attracted to ETF’s?

  • They tend to cost less.
  • We believe there is a clear cost ratio advantage over mutual funds.
  • There are no sales loads or investment minimums required to purchase an ETF.
  • They may be more “tax efficient” than mutual funds.

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Exchanged Traded Funds are subject to risks similar to those of stocks. Investment returns may fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost.

Retirement Accounts

It’s easy to put off planning for retirement, especially if the event is many years away. But the earlier you start planning, the longer and more enjoyable your retirement may be. Through a selection of IRAs, SEPs and SIMPLE Plans with Walnut Capital Management, you can choose a plan that can help meet your retirement needs while investing in stocks, bonds, mutual funds, money markets or government securities.

We can help you choose from these accounts and gain the control you’ll need to adjust your investment selections according to changing economic and market conditions or changes in your personal situation.

Traditional IRAs

Introduced in 1974, the Traditional IRA has been a popular vehicle for tax – deferred retirement savings. The benefits of the Traditional IRA include:

  • Working individuals and their spouses can each contribute to a Traditional IRA.
  • Individual contributions range from $4000 to $5000 annually (for 2007) depending on your age.
  • Regardless of your ability to deduct your contributions, any earnings will grow tax-deferred.
  • Withdrawals from an IRA are subject to ordinary income tax and may be subject to a federal 10% penalty if taken prior to age 59 ½.

Roth IRAs

The Roth became available in 1998 and has gained popularity because of its potential for tax-free withdrawals of contributions and earnings. Provisions of the Roth IRA include:

  • Contributions are always non-deductible
  • Tax-free withdrawals of contributions and earnings may be taken after five years if you are at least age 59 ½ (certain exceptions may apply).
  • Distributions from Roth IRAs are not mandatory during the holder’s lifetime.
  • If your income is not more than $100,000 (joint or single), you may be eligible to convert part or all of your traditional IRA to a Roth IRA.
  • Qualified Roth IRA distributions are not subject to state and local taxation in most states.

Rollover IRA

For those individuals who are changing jobs, being severed from employment, or retiring, IRA Rollovers can be ideal. Benefits include:

  • Transfer a lump sum directly from your plan account and maintain the tax-deferred status of your retirement assets.
  • Continue deferral of taxes on monies accumulated in your former employer's 401(k), 457, 403(b) or other retirement plan.
  • Rollover contributions are not subject to the $4000–per-year limits (for 2007) on contributions to regular IRAs.
  • Withdrawals from an IRA are subject to ordinary income tax and may be subject to a federal 10% penalty if taken prior to age 59 ½.

SEP & SIMPLE Plans

Since the introductions of SEP & SIMPLE plans, small and new business owners have many options to help employees save for retirement. Benefits include:

  • All company contributions are immediately 100% vested and available to the participants.
  • Part-time employees may not be excluded.
  • Company contributions are tax-deductible for the employer and neither contributions nor earnings are taxed to participants until distributed.
  • Withdrawals from a SEP-IRA are subject to ordinary income tax and may be subject to a federal 10% penalty if taken prior to age 59 ½. The federal penalty increases to 25% if taken during the first two years of plan membership.

Walnut Capital Management Helps You Decide

At Walnut Capital Management we understand the importance of your retirement planning decisions. Maximizing the value of your savings can help make your dreams for retirement a reality. We offer a wide selection of retirement-planning services and can assist you in examining your personal situation to help you choose a Retirement Account that is appropriate for you. Contact Walnut Capital Management today for a complimentary consultation. We look forward to working with you.

Walnut Capital Management does not render legal, accounting or tax advice. Please consult your tax or legal advisors before taking any action that may have tax consequences. The Economic Growth and Tax Relief Reconciliation Act of 2001 is subject to a “Sunset” provision. The “Sunset” provision (required by the Congressional Budget Act of 1974) requires that the provisions of the Act do not apply after the end of the year 2010. Therefore, technically, all the current rules, rates and exemptions come back into effect in 2011 unless reenacted.