Services

Retirement Plan Design

Through a thorough analysis of a business’s financial and workforce data, we work with business owners to create customized retirement plans that best meet both regulatory requirements and the owner’s financial goals.

Cash Balance Plans

A cash balance plan is a powerful tool for small business owners because it allows for significantly higher tax-deferred retirement contributions than a 401(k) alone—often over $100,000 annually—while reducing current taxable income.

Defined Benefit Plans

From Traditional Pension Plans, to Pension Equity Plans, to Cash Balance Plans; each plan type offers unique advantages depending on the employer’s goals, workforce demographics, and desired funding flexibility.

Combo Plans

A combo retirement plan is a powerful savings strategy that combines two different types of plans – typically a cash balance plan and a defined contribution plan – to maximize retirement savings, especially for small business owners or highly compensated employees.

401(K) Plans

Whether focused on employee attraction and retention, tax savings, or maximizing owner contributions, we will work with you to design a 401(k) plan tailored to your business objectives.

Profit Sharing Plans

A profit-sharing plan allows a company to share its profits with employees by making discretionary contributions to their retirement accounts. When combined with 401(k) and cash balance plans, business owners are able to maximize their contributions while still benefiting employees.

Nondiscrimination Testing

It is crucial to get the combo plan design right as nondiscrimination testing is required by the IRS to ensure the plan does not unfairly favor highly compensated employees over non-highly compensated employees. We ensure your plans meet all regulatory and nondiscrimination testing requirements through a robust annual testing process; thereby maintaining the plans’ qualified status and tax benefits.

Retirement Plan Administration

We perform all aspects of retirement plan administration to ensure your plans run smoothy and comply with IRS and Department of Labor rules. Maintaining records, processing distributions, and providing annual benefit statements – we help to ensure participant communications are accurate and timely.

Ad Hoc Consulting

We provide ad hoc administration and consulting support when and if needed. Whether in need of Form 5500 filing support or an independent review of ERISA valuations, we are happy to discuss any custom level of support you may need.