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Retirement Plan Services

Company retirement plans designed to fit your needs

Company retirement plans designed to fit your needs

  • Traditional and Roth 401(k)
    Let employees save pre- or post-tax.
  • Safe Harbor Plans
    Allow owners & executives to maximize their contributions.
  • Cross-Tested Profit Sharing Plans
    Max fund contributions to IRS limits.
  • Cash Balance Plans
    Already maxing your 401(k) and wanting to save more pre-tax?
  • Defined Benefit Plans
    Pension plans for large corporations or solo practitioners.

Retirement Plan Investment Advisory Services

Our firm's long history of working with business owners uniquely positions us to provide holistic advice that encompasses both corporate objectives and personal wealth planning.  We believe that this insight leads to better plan design and more productive participant interactions.  When it comes to managing plan investments, we serve as a fiduciary under ERISA 3(38) or 3(21).

What's the difference between an ERISA 3(38) and 3(21) fiduciary? 


ERISA section 3(38) defines an “investment manager.” An investment manager is special type of fiduciary who has been specifically appointed to have full discretionary authority to make actual investment decisions. The manager may select, monitor, remove and replace the investment options offered under the plan. The 3(38) investment manager carries the liability for the investment decisions, while the plan sponsor/trustee retain the responsibility for vetting/monitoring them.


A 3(21) investment fiduciary is a paid professional who provides investment recommendations to the plan sponsor/trustee. Though 3(21) fiduciaries have a duty act in the best interest of plan participants and beneficiaries, in this arrangement, the plan sponsor/trustee retains ultimate decision-making authority for the investments. The plan sponsor/trustee may accept or reject the recommendations of the advisor. Thus, they also both share in the fiduciary responsibility and liability.

Start Your Company Retirement Plan Today

There are many reasons to set up a retirement plan for your employees, including tax benefits for the company and increased employee happiness and retention. With cross-tested profit-sharing plans or cash balance plans, you can attract incredible talent to your workforce. If costs are a factor, a traditional defined benefit plan is still a great way to let your employees prepare for retirement. Contact us today to go over the different options for you and your employees.

Schedule a 15-minute consultation

Why Should You Offer Retirement Benefits To Your Employees?

In a competitive job market, it’s not just about the salary you offer to your employees. In fact, employees may even choose a job that pays less if it comes with a great retirement plan. Setting up an employer-sponsored plan is the best way to keep your employees, not least of all because they’re building wealth for themselves while they’re working for you.

There are legal and administrative challenges to setting up a retirement plan at work. We recommend working with a trusted financial advisor to talk about your options and responsibilities. The retirement plan must satisfy certain criteria to be qualified under IRS guidelines. Your payroll will also look different, especially if you match some of your employees’ contributions.

Traditional vs. Roth 401(k)s

When planning for retirement, you must differentiate between a traditional 401(k) and a Roth 401(k). Traditional retirement plans use pre-tax dollars to save wealth for the future. That means your employees are not taxed on the money they contribute to their retirement account, up to the contribution limit. The money then grows in a tax-deferred account. When the employee retires, they will receive distributions and pay taxes on that income.

A Roth 401(k) works in reverse as far as the tax benefits go. Employees can contribute to a Roth 401(k) with money that has already been taxed. They will not receive a deduction on their income tax return. However, in retirement, the income they receive from the Roth 401(k) is generally tax-free.

How Safe Harbor Plans Benefit Your Company

The IRS encourages all individuals to save money for retirement. They also want to make sure that your retirement plan doesn’t discriminate. Your employer-sponsored plan must qualify under IRS rules. While not all of your employees must take part in the plan, you can’t discriminate. In particular, the IRS tests each plan to ensure the average contributions from your highly paid employees doesn’t exceed 2% more than the average contributions of your other employees.

Safe Harbor Plans prevent discrimination by design, which ensures you follow the requirements set forth by the IRS. You can do this by using one of the following three options under the Safe Harbor Plan rules:

  1. Basic: Match 100% of the first 3% of compensation and 50% of the next 2% of compensation
  2. Enhanced: Match 100% on the first 4% of compensation
  3. Non-elective: Contribute 3% to all eligible employees

FAQs about Corporate Retirement Plans

Retirement planning for your employees is complicated. We’re here to help you every step of the way. Call us to discuss your company’s situation. In the meantime, the answers to these questions may be a great starting point for you.

What Is a Cross-Tested Profit-Sharing Plan?

A cross-tested plan allows the company to allocate a higher contribution to the owner and other highly compensated employees while still providing benefits to the rest of the staff. Allocation rates can be much higher than 5% of your compensation, too. A cross-tested profit-sharing plan can be created in conjunction with a Safe Harbor Plan.

Can I Offer a Defined Benefit Plan?

Yes, you can. Defined benefit plans provide fixed benefits for your employees when they retire. These pension plans used to be the norm, but are more costly to administer than defined contribution plans. Defined contribution plans, such as the (401)k, put the burden of asset performance on the employee. If you’re interested in setting up a defined benefit plan, we can help you get started.

How Does a Cash Balance Plan Appeal to Employees?

A cash balance plan is a type of defined benefit plan in which the employer makes contributions into the individual employee’s retirement account. The company can receive tax benefits for its contributions. When the employee retires, they have different options for receiving funds from the account. A cash balance pension plan is a guaranteed benefit for retirement, which is more attractive than the traditional defined contribution plans.

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