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Business Retirement Plans

We design, install, and maintain cost-effective retirement plans that meet business owners' twin goals:

  • Benefiting owners and key employees as much as possible
  • Recruiting and retaining the best talent

There are no hidden fees, and we take fiduciary responsibility in writing.

Level One is a 401(k) plan:

  • Contribute $19,500 per person if under 50 / $26,000 if 50+ (2021)
  • Offer a matching contribution if desired
  • Skew additional profit sharing towards owners
  • Use low-cost, professionally managed investments

When appropriate, Level Two is a cash balance plan:

  • Much higher contribution limits
  • Significant tax savings
  • Must intend to contribute for 3-5 years minimum
  • Best when owners are older and higher-compensated than non-owner staff

Cash balance plans can work very well in private medical and dental groups.