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Steven J. Musmanno Chief Investment Officer ยท Melville, NY
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Category: Retirement Plans

Articles on 401(k), 403(b) and defined benefit plan design for private companies, nonprofits and closely held businesses.

Title card reading Defined Benefit Plans for Closely Held Businesses: When They Make Sense

Defined Benefit Plans for Closely Held Businesses: When They Make Sense

5 min read

Defined benefit and cash balance plans can let owners save more than a 401(k) allows, but they come with real funding commitments. Here is when they tend to fit.

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Title card reading Using the Company Retirement Plan for Tax Management and Wealth Creation

Using the Company Retirement Plan for Tax Management and Wealth Creation

5 min read

For business owners, a qualified plan can do more than attract employees. Here is how it can support tax management, wealth building, and diversification beyond the business.

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Title graphic reading 401(k) vs. 403(b): What Private and Nonprofit Employers Should Know

401(k) vs. 403(b): What Private and Nonprofit Employers Should Know

4 min read

Private businesses use 401(k) plans, while public schools and 501(c)(3) nonprofits can offer a 403(b). Here is how the two plans differ for employers.

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Steven J. Musmanno, MBA, AIFA

Chief Investment Officer, APS Pension & Financial Services | Melville, NY

APS Pension & Financial Services
1 Huntington Quadrangle, Suite 3N03
Melville, NY 11747
(516) 228-8444

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Important information. Steven J. Musmanno is an investment adviser representative of APS Wealth Management, LLC ("APSWM"), an SEC registered investment adviser located in Melville, New York. Registration with the SEC does not imply a certain level of skill or training. Advisory services are offered only where APSWM is registered or exempt from registration.

This website is for general informational and educational purposes only. It is not investment, tax, or legal advice, and it is not an offer to sell or a solicitation of an offer to buy any security or service. Information is believed to be reliable but is not guaranteed and may change without notice. All investing involves risk, including the possible loss of principal. Consult qualified tax and legal professionals about your own situation.

APSWM's Form ADV Part 2 is available on request and through the SEC's Investment Adviser Public Disclosure website. You can research financial professionals on FINRA BrokerCheck. See the full Important Disclosures.

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