We at Seltzer Financial Services, Inc. know that generally employees are the greatest assets of any company. We also know that it costs the employer plenty to bring a new employee to the point where he/she is making a positive and profitable contribution to the bottom line. The right benefits program might be just the thing that keeps a good employee around for a long, long time.
Seltzer Financial Services, Inc. will analyze your current program (if you have one) and recommend creative alternatives that satisfy the objectives of both costs and benefits. We have been in business for almost twenty years and understand the needs and challenges of small businesses.
Group Health Plans
We provide an indepth analysis of your existing plan and then help you determine the right plan to meet your needs and stay within your budget requirements. We shop aggressively each year for the best plan at the best cost. We work with you every step of the way through the implementation process. But our service doesn’t stop there. Our dedicated staff is always available to help with employee enrollment, claim reconciliation, billing issues, or any other service need.
Retirement Plans
We help you choose from an array of tax-qualified retirement plans, including defined benefit plans, profit-sharing plans, 401(k) plans and customized plans. One of the most popular plans in recent years has been the New Comparability Plan, which enables highly-compensated employees to get a larger percentage of the employer contribution without discriminating against other employees. We can also assist you in setting up a non-qualified plan for your key people.
Other Benefits Plans
We also can assist in helping you select other benefits, including dental insurance, long-term disability insurance, short-term disability insurance, vision insurance, accident insurance, cancer and critical illness insurance and life insurance. Many of these benefits can be offer on a voluntary basis and paid for by employees with before-tax dollars. Under this arrangement, both the employer and employees save Social Security taxes. Employees also save on withholding taxes.
Financial Planning Services
A growing number of Americans are facing financial crisis today because of a lack of education and resulting inability to budget, control the use of credit and manage their money effectively. We can assist your employees with financial planning services offered by a trained financial counselor and registered investment advisor. We believe education is the key to a more secure financial future, and we welcome the opportunity to assist your employees in this area.
Thomas L. Seltzer
Thomas L. Seltzer, owner of Seltzer Financial Services, is a registered investment advisor (RIA) representative with almost 20 years of experience in the insurance and financial services business. Seltzer specializes in employee benefits plans, group health insurance, qualified and non-qualified retirement plans for small businesses. He also specializes in investments for individuals.
Seltzer holds a Group I insurance license, Series 7, 63 and 65. He was also a principal in a third-party administration firm for two years, where he served as a pension consultant. He continues to do pension consulting work for clients interested in alternatives to traditional qualified retirement plans. He is schooled in the disciplines of both technical and fundamental equity analysis.
Born in West Virginia and raised in St. Louis, Seltzer moved to Texas in 1977 and has lived in San Antonio since 1994. Before he started his insurance and financial services business, Seltzer spent 12 years in the newspaper business. He is active in his local church, along with his wife, Jennifer.
Greg B. Drew
Greg Drew is a Certified Retirement Financial Advisor, with more than 20 years of experience in the financial services business, specializing in Qualified Retirement Plans, Life Insurance, Health Insurance, Long-term Care Insurance, Medicare Supplemental Insurance and Annuities. He advises both individuals and businesses regarding benefits, investments and insurance.
Drew holds a Group I insurance license, Series 6, 63 and 65. He is a registered investment advisor (RIA) representative and is schooled in the disciplines of both technical and fundamental equity analysis and is recognized as having developed the International Trading Program (ITP) that continues to be profitable in both Bull and Bear markets.
Born and raised in San Antonio, Drew was a stockbroker for Dean Witter Reynolds in 1983 and was hired in 1987 by USAA. He administered the USAA 401(k) and Defined Benefit Pension plan from 1990 to 2000. He joined Seltzer Financial Services, Inc. in 2000.
Nicole King
Nicole King joined Seltzer Financial Services, Inc. in 2007 as the group service representative. Clients have come to appreciate Nicole’s friendly voice and “can do” attitude on the service end of the business. She assists with all service issues, including enrollments, claims and billing issues.
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