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Retirement & Pension Plans

Defined Contribution Plans

We offer a flexible design plan for taxable businesses with defined contribution plans including:
-401(k) and Profit Sharing
-Profit Sharing only
-Money Purchase

We have access to thousands of investment options and can customize a plan offering any combination of funds.

Benefits We Can Offer Plan Sponsors:
-Multiple matching contribution formulas from which to choose, including safe harbor
-Multiple profit sharing formulas from which to choose, including safe harbor
-Corporate actions support
-Tax reporting
-Technology support
-Plan management materials

Benefits We Can Offer Plan Participants:
-Institutional share class program with over a thousand investment options that do not have 12b-1s
-Education and enrollment support
-Focused messages for each participant based on specific participant information and life stage
-Tools for personal rates of return and equity allocation charts, which can be used for retirement planning

Defined Benefit Plans

These are qualified employer-sponsored retirement plans. Setting up and maintaining these plans must comply with federal laws under the Employee Retirement Income Security Act of 1974 (ERISA) and the Internal Revenue Code.

Defined benefit plans can be a major source of retirement income. They can be designed to replace a certain percentage of your  pre-retirement income when combined with Social Security.
Most benefits are insured up to a certain annual maximum by the federal government through the Pension Benefit Guaranty Corporation (PBGC).

These benefits do not rely on the performance of underlying investments. You will actually know how much you can expect to receive at retirement.

Small Businesses, Closely-Held Businesses, Sole-Proprietors, And Partnerships

Certain types of defined benefit plans can be an efficient way to reduce your tax liability and also increase your retirement savings.

We can provide a preliminary actuary plan and carry out a review of your business to see what types of plans make the most sense from a tax and retirement perspective. Please contact us for more information to learn more about this tax and retirement strategy . 

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