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Match 100% of your employees' contributions, with earnings growing tax-deferred until retirement1
Earnings grow tax-deferred until withdrawal at retirement1. Your employees may be able to contribute an additional "catch-up" amount of $3,000 if they're 50 or over
Tax-deferred earnings on accumulated interest2
Contribution flexibility – both employers and employees can contribute to the account; you can match your employees' contributions or simply contribute a fixed amount to the account, whether or not your employees contribute
Contributions are tax deductible for employers
No extra reporting to the IRS is necessary
Island: Oahu
Phone: (808) 541-8586
Start Planning
Islands: Maui & Hawaii
Phone: (808) 952-7019
Start Planning
Island: Oahu
Phone: (808) 527-4350
Start Planning
Bank IRAs:
Offered through American Savings Bank
FDIC-insured accounts
Fixed CD term or Savings available
Brokerage IRAs†:
Offered through American Savings Investment Services
May invest in stock, bonds, mutual funds and annuities
Tailored to your investment strategy
Contact a Financial Advisor to learn more about what products may fit your needs.
† Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investments are offered. Advisory services are only offered by Investment Adviser Representatives. Registered address and phone number: American Savings Investment Services, 300 North Beretania Street Honolulu, HI 96817. (808) 735-1717.
Click to view Cetera Investment Services Privacy Policy and other Important Information.
This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.
A retirement plan that can be offered to attract and retain employees
American Savings Investment Services utilizes Cetera Investment Services to provide access to traditional pension plans. With these employer-sponsored and funded retirement plans, retirees are paid a fixed amount, based on the number of years worked and salary history†
Defined Benefit Plan
Maximum Contribution - Amount needed to provide an annual benefit not larger than the smaller of $160,000 or 10% of the participant's average compensation for his or her highest three consecutive calendar years
Maximum Deduction - Based on actuarial assumptions and computations
Defined Contribution Plan
Maximum Contribution:
Money purchased - smaller of $40,000 or 100% of the participant's compensation
Profit sharing - smaller of $40,000 or 100% of participant's compensation
Maximum Deduction:
Money purchased: 25% of all participant's compensation
Profit sharing: smaller of $40,000 or 100% of participant's compensation
Island: Oahu
Phone: (808) 541-8586
Start Planning
Islands: Maui & Hawaii
Phone: (808) 952-7019
Start Planning
Island: Oahu
Phone: (808) 527-4350
Start Planning
Traditional pensions are commonly referred to as Qualified Plans, and there are two types: Defined-Benefit and Defined-Contribution. Defined-Benefit Plans are funded by employer contributions and are guaranteed by the Pension Benefit Guaranty Corporation (PBGC). Employee-sponsored retirement plans such as 401(k), 403(h) and 457 plans are called Defined-Contribution plans. Defined-Contribution plans are funded in large part by employee contributions and are not guaranteed by the PBGC.
† Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investments are offered. Advisory services are only offered by Investment Adviser Representatives. Registered address and phone number: American Savings Investment Services, 300 North Beretania Street Honolulu, HI 96817. (808) 735-1717.
Click to view Cetera Investment Services Privacy Policy and other Important Information.
This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.
From the time you open an IRA account, the money you save grows tax-deferred until the day you retire (and withdraw your savings)
Bank IRA offered through American Savings Bank
Access Bank IRA through Online and Mobile banking
Tax-deferred earnings on contributions1
Choose from a Savings Account or a wide range of CD terms
Competitive interest rates
Please consult your tax advisor for more information regarding your individual situation
Converting your IRA may have significant tax consequences. Before you take this step, be sure to consult with a tax professional.
If you are retiring or changing jobs, ask your employer to arrange for a "direct rollover" of your money into a new IRA account with us, and you won’t pay the mandatory 20% withholding tax.
You can also do an IRA-to-IRA rollover. Complete the rollover within 60 days from the date you receive the assets from your old IRA to qualify. Just go to your financial institution and close your IRA, then bring the check to us. The IRS limits the number of these rollovers to one in a 12-month period.
Contributions into a traditional IRA can be tax deductible and can lower your taxable income. Your earnings also grow tax deferred. However, contributions are not tax-deductible with a Roth IRA. For more information, visit our Personal IRAs Comparison page.
Traditional IRAs or Roth IRAs are considered Bank IRAs when you put your funds into a savings or CD account. These IRAs are offered through American Savings Bank branches and are FDIC-insured.
Traditional IRAs or Roth IRAs are considered Brokerage IRAs when you put your funds into investments such as mutual funds, stocks and bonds through a broker-dealer and are tailored to your preferred investment strategy.
Make an appointment with a banker to learn more.
Yes there are annual contribution limits for a Traditional and Roth IRA.
Traditional and Roth IRAs have early withdrawal penalties that depend on the specific account terms. Also, withdrawals made before 5 years and before the age of 59 1/2 may be subject to an additional IRS penalty.
For a traditional IRA, you must begin to take distributions by April 1st of the year after you become 72 years old. A Roth IRA has no distribution requirements while you're alive, but beneficiaries will be subject to distribution rules after you pass.
Investment planning is often one of the most stressful parts of planning for your financial future. You might be worried about potential market volati...
Fraudsters these days are more conniving and persuasive than ever before. But, you can keep your identity and your finances secure all year round by s...
Saving is an important step toward overall financial health. From a child’s first account to retirement planning, good savings habits can help you t...
Please consult your tax advisor for more information regarding your individual situation.
Build earnings that are completely tax-free when you withdraw them, as long as they are considered qualified
Bank IRA offered through American Savings Bank
Access Bank IRA through Online and Mobile banking
Fixed CD term or Savings available
Please consult your tax advisor for more information regarding your individual situation
Converting your IRA may have significant tax consequences. Before you take this step, be sure to consult with a tax professional.
If you are retiring or changing jobs, ask your employer to arrange for a "direct rollover" of your money into a new IRA account with us, and you won’t pay the mandatory 20% withholding tax.
You can also do an IRA-to-IRA rollover. Complete the rollover within 60 days from the date you receive the assets from your old IRA to qualify. Just go to your financial institution and close your IRA, then bring the check to us. The IRS limits the number of these rollovers to one in a 12-month period.
Contributions into a traditional IRA can be tax deductible and can lower your taxable income. Your earnings also grow tax deferred1. However, contributions are not tax-deductible with a Roth IRA. For more information, visit our Personal IRAs Comparison page.
Traditional IRAs or Roth IRAs are considered Bank IRAs when you put your funds into a savings or CD account. These IRAs are offered through American Savings Bank branches and are FDIC-insured.
Traditional IRAs or Roth IRAs are considered Brokerage IRAs when you put your funds into investments such as mutual funds, stocks and bonds through a broker-dealer and are tailored to your preferred investment strategy.
Make an appointment with a banker to learn more.
Yes there are annual contribution limits for a Traditional and Roth IRA.
Traditional and Roth IRAs have early withdrawal penalties that depend on the specific account terms. Also, withdrawals made before 5 years and before the age of 59 1/2 may be subject to an additional IRS penalty.
For a traditional IRA, you must begin to take distributions by April 1st of the year after you become 72 years old. A Roth IRA has no distribution requirements while you're alive, but beneficiaries will be subject to distribution rules after you pass.
Investment planning is often one of the most stressful parts of planning for your financial future. You might be worried about potential market volati...
Fraudsters these days are more conniving and persuasive than ever before. But, you can keep your identity and your finances secure all year round by s...
Saving is an important step toward overall financial health. From a child’s first account to retirement planning, good savings habits can help you t...
Please consult your tax advisor for more information regarding your individual situation.
Use your IRA to invest in everything from stocks and bonds to mutual funds, and more
Brokerage IRA offered through American Savings Investment Services
May invest in stock, bonds, mutual funds and annuities
Tailored to your investment strategy
Island: Oahu
Phone: (808) 541-8586
Start Planning
Islands: Maui & Hawaii
Phone: (808) 952-7019
Start Planning
Island: Oahu
Phone: (808) 527-4350
Start Planning
If you are retiring or changing jobs, ask your employer to arrange for a "direct rollover" of your money into a new IRA account with us, and you won’t pay the mandatory 20% withholding tax.
You can also do an IRA-to-IRA rollover. Complete the rollover within 60 days from the date you receive the assets from your old IRA to qualify. Just go to your financial institution and close your IRA, then bring the check to us. The IRS limits the number of these rollovers to one in a 12-month period.
Converting your IRA may have significant tax consequences. Before you take this step, be sure to consult with a tax professional.
A Traditional IRA or Roth IRA are considered Bank IRAs when you put your funds into a savings or CD account. These IRAs are offered through American Savings Bank branches and are FDIC-insured.
A Traditional IRA or Roth IRA are considered Brokerage IRAs† when you put your funds into an investment such as mutual funds, stocks and bonds. These IRAs are offered through American Savings Investment Services, are not FDIC-insured and are tailored to your preferred investment strategy. Contact a Financial Advisor to learn more about what products may fit your needs.
Contributions into a traditional IRA can be tax deductible and can lower your taxable income. Your earnings also grow tax deferred1. However, contributions are not tax-deductible with a Roth IRA. For more information, visit our Personal IRAs Comparison page.
Traditional and Roth IRAs have early withdrawal penalties that depend on the specific account terms. Also, withdrawals made before 5 years and before the age of 59 1/2 may be subject to an additional IRS penalty.
For a traditional IRA, you must begin to take distributions by April 1st of the year after you become 72 years old. A Roth IRA has no distribution requirements while you're alive, but beneficiaries will be subject to distribution rules after you pass.
Investment planning is often one of the most stressful parts of planning for your financial future. You might be worried about potential market volati...
Fraudsters these days are more conniving and persuasive than ever before. But, you can keep your identity and your finances secure all year round by s...
Saving is an important step toward overall financial health. From a child’s first account to retirement planning, good savings habits can help you t...
Please consult your tax advisor for more information regarding your individual situation.
† Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investments are offered. Advisory services are only offered by Investment Adviser Representatives. Registered address and phone number: American Savings Investment Services, 300 North Beretania Street Honolulu, HI 96817. (808) 735-1717.
Click to view Cetera Investment Services Privacy Policy and other Important Information.
This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.
Based on your investment objectives, we can help review your financial position and create a plan to work toward reaching your goals
Gain a perspective of the economic and market environment before you invest
Explore the concepts of asset allocation and diversification and learn more about the different types of risk
In preparing to meet with one of our Financial Advisors, please have the following information:
Information on your current financial situation
Your risk preference
Island: Oahu
Phone: (808) 541-8586
Start Planning
Islands: Maui & Hawaii
Phone: (808) 952-7019
Start Planning
Island: Oahu
Phone: (808) 527-4350
Start Planning
Bank IRAs:
Offered through American Savings Bank
FDIC-insured accounts
Fixed CD term or Savings available
Brokerage IRAs†:
Offered through American Savings Investment Services
May invest in stock, bonds, mutual funds and annuities
Tailored to your investment strategy
Contact a Financial Advisor to learn more about what products may fit your needs.
Contributions into a traditional IRA can be tax deductible and can lower your taxable income. Your earnings also grow tax deferred. However, contributions are not tax-deductible with a Roth IRA. For more information, visit our Personal IRAs Comparison page.
Yes there are annual contribution limits for a Traditional and Roth IRA. Talk with a Financial Advisor to learn more.
Traditional and Roth IRAs have early withdrawal penalties that depend on the specific account terms. Also, withdrawals made before 5 years and before the age of 59 1/2 may be subject to an additional IRS penalty.
For a traditional IRA, you must begin to take distributions by April 1st of the year after you become 72 years old. A Roth IRA has no distribution requirements while you're alive, but beneficiaries will be subject to distribution rules after you pass.
Investment planning is often one of the most stressful parts of planning for your financial future. You might be worried about potential market volati...
The COVID-19 pandemic has made many unforeseen impacts on the United States economy, from nationwide unemployment to the affects it has had on trave...
Fraudsters these days are more conniving and persuasive than ever before. But, you can keep your identity and your finances secure all year round by s...
† Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investments are offered. Advisory services are only offered by Investment Adviser Representatives. Registered address and phone number: American Savings Investment Services, 300 North Beretania Street Honolulu, HI 96817. (808) 735-1717.
Click to view Cetera Investment Services Privacy Policy and other Important Information.
This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.
We're here to help you gain confidence in retirement planning by identifying your goals, reviewing current plans and more
Thanks to our relationship with Cetera Investment Services, American Savings Investment Services can help you with products and services that give you confidence in retirement planning†
Figure out how much money you need to maintain the lifestyle you want
Clarify your retirement objective and determine the amount of money you will need at retirement
In preparing to meet with one of our Financial Advisors, please have the following information:
Information on your current financial situation
Your risk preference
Island: Oahu
Phone: (808) 541-8586
Start Planning
Islands: Maui & Hawaii
Phone: (808) 952-7019
Start Planning
Island: Oahu
Phone: (808) 527-4350
Start Planning
Bank IRAs:
Offered through American Savings Bank
FDIC-insured accounts
Fixed CD term or Savings available
Brokerage IRAs†:
Offered through American Savings Investment Services
May invest in stock, bonds, mutual funds and annuities
Tailored to your investment strategy
Contact a Financial Advisor to learn more about what products may fit your needs.
Contributions into a traditional IRA can be tax deductible and can lower your taxable income. Your earnings also grow tax deferred. However, contributions are not tax-deductible with a Roth IRA. For more information, visit our Personal IRAs Comparison page.
Yes there are annual contribution limits for a Traditional and Roth IRA. Talk with a Financial Advisor to learn more.
Traditional and Roth IRAs have early withdrawal penalties that depend on the specific account terms. Also, withdrawals made before 5 years and before the age of 59 1/2 may be subject to an additional IRS penalty.
For a traditional IRA, you must begin to take distributions by April 1st of the year after you become 72 years old. A Roth IRA has no distribution requirements while you're alive, but beneficiaries will be subject to distribution rules after you pass.
Investment planning is often one of the most stressful parts of planning for your financial future. You might be worried about potential market volati...
The COVID-19 pandemic has made many unforeseen impacts on the United States economy, from nationwide unemployment to the affects it has had on trave...
Fraudsters these days are more conniving and persuasive than ever before. But, you can keep your identity and your finances secure all year round by s...
† Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investments are offered. Advisory services are only offered by Investment Adviser Representatives. Registered address and phone number: American Savings Investment Services, 300 North Beretania Street Honolulu, HI 96817. (808) 735-1717.
Click to view Cetera Investment Services Privacy Policy and other Important Information.
This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.
It's never too early to start saving for your child's education - let us help you get started
Tax-deferred and tax-free withdrawals on some accounts for qualified educational purposes
Beneficiaries may be changed without penalty
In preparing to meet with one of our Financial Advisors, please have the following information:
Information on your current financial situation
Your risk preference
Coverdell Education
Savings Account (CESA)
Contributions are not tax-deductible, but all earnings and withdrawals are tax-exempt and free of penalties as long as the withdrawals are made for qualified education expenses
Section 529
College Savings Plan
Contributions are tied to the gifting exclusion limit of $15,000. You could also make up to 5 years worth of contributions (or $70,000) in one year
Custodial Account
(UTMA or UGMA)
Up to certain limits, these accounts are taxed at the child's rate. Withdrawals may be made for any expenses that benefit the child – not just education expenses
Island: Oahu
Phone: (808) 541-8586
Start Planning
Islands: Maui & Hawaii
Phone: (808) 952-7019
Start Planning
Island: Oahu
Phone: (808) 527-4350
Start Planning
The Moneyhune Savings account is especially designed for keiki under the age of 18. It can be converted to a Statement Savings account when the individual turns 18 years old. We also have investment and savings accounts used for education. Speak to a Financial Advisor for more information.
Investment planning is often one of the most stressful parts of planning for your financial future. You might be worried about potential market volati...
The COVID-19 pandemic has made many unforeseen impacts on the United States economy, from nationwide unemployment to the affects it has had on trave...
Fraudsters these days are more conniving and persuasive than ever before. But, you can keep your identity and your finances secure all year round by s...
† Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investments are offered. Advisory services are only offered by Investment Adviser Representatives. Registered address and phone number: American Savings Investment Services, 300 North Beretania Street Honolulu, HI 96817. (808) 735-1717.
Click to view Cetera Investment Services Privacy Policy and other Important Information.
This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com.
Protect your family's finances and receive cash benefits when a serious covered accident lands you in the hospital (underwritten by CHUBB)
Must be an American Savings Bank customer 18 years or older
All cash benefits paid directly to you
All benefits are paid in addition to any other insurance you may have
Cash benefits are all yours to spend any way you want
You cannot be turned down due to age or health, no medical exam required; all coverage reduces by 50% at age 65 and 25% at age 75
Life insurance isn’t something young adults consider an immediate need. You might understand the benefit of having a life insurance policy when you’re...
Fraudsters these days are more conniving and persuasive than ever before. But, you can keep your identity and your finances secure all year round by s...
The COVID-19 pandemic has made many unforeseen impacts on the United States economy, from nationwide unemployment to the affects it has had on trave...
†
* In most states, confinement benefits reduce by 50% at age 65, and reduce to 25% at age 75 (except in MN). Outpatient Emergency Room benefits do not reduce due to age. This plan may not be available to residents of all states. Please see the Summary of Benefits below for exclusions, limitations, and terms of coverage. This offer is null and void if United States trade or economic sanctions prohibit us from offering or providing insurance. Insurance is underwritten by Federal Insurance Company, a Chubb company.
Chubb is the marketing name used to refer to the subsidiaries of Chubb Limited providing insurance and related services. Insurance provided by Federal Insurance Company. All products may not be available in all states. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Chubb, P.O. Box 1600, Whitehouse Station, NJ 08889-1600.
For California Residents: Insurance product offered by Franklin Madison Insurance Services LLC. Underwritten by Federal Insurance Company.
Protect your family's financial future and receive $2,000 of insurance coverage (underwritten by Minnesota Life Insurance Company)
Must be an American Savings Bank customer 18 years or older
$2,000.00 coverage at no cost to you and is complimentary of American Savings Bank
In addition, you can purchase Additional Coverage at group rates
You are pre-authorized for Additional Coverage up to $300,000
Your acceptance is guaranteed - No Medical Exams or Health Questions
To enroll, call the plan administrator at (877) 517-0560
Life insurance isn’t something young adults consider an immediate need. You might understand the benefit of having a life insurance policy when you’re...
Fraudsters these days are more conniving and persuasive than ever before. But, you can keep your identity and your finances secure all year round by s...
The COVID-19 pandemic has made many unforeseen impacts on the United States economy, from nationwide unemployment to the affects it has had on trave...
†
