Employer Retirement Plans

401k To Cash Balance Plans

Design, implement and service ERISA or ERISA-like plans such as Solo 401k, 401k, 403b, 457, 401a, defined benefit (pension), cash balance, and other non-qualified plans. Services include existing plan review and analysis, plan-level advice regarding fund selection and investment options, education services to plan participants, investment management, and ongoing consulting.

ERISA 3(21) & 3(38) Services

ERISA plan services are offered in 3(21) non-discretionary, 3(38) discretionary, and MTC asset allocation models. With 3(38), you can outsource your investment fiduciary duties and retain basic plan administration and trustee duties. Flexible plan design allows choice of custodians offering bundled or unbundled Record Keeping and TPA services. We ensure selection of TPA to remove compliance headaches through annual top heavy testing or new comparability “cross tested” plan design to maximize HCE contributions and timely 5500 preparation.

Rollover Choices

We provide education but no advice or recommendation on whether or not to rollover or transfer or take distribution, full or partial, of your assets between retirement plans (Plan) and individual retirement accounts (IRA). Furthermore, our advisors will not provide any analysis comparing plans or sample investments or model portfolios in order for you to hire us. We will however explain to you your choices via this website or personal communication.

You could: (1) leave your money in the Plan, (2) transfer it to the Plan of successor employer (if you were to work for a new employer with a plan that permitted transfers), (3) take a taxable distribution, and/or (4) roll over to an IRA. The fees, investment choices, loan provisions, and services vary among those alternatives, and the fees and expenses in a Plan may be less than in an IRA. Our investment choices, not recommendation, are explained in our Investment Management page.

After you have decided to become our client, we will provide you with annual contribution and/or required minimum distribution limits by retirement account type and help with deposit/withdrawal implementation through the custodian. Any addition or subtraction of assets will result in higher or lower fees, respectively, from change in assets under management.

By providing above written or related verbal information, Advisor is not undertaking to give advice in any fiduciary capacity as it relates to Plan or IRA rollover, transfer, distribution or contribution within the meaning of ERISA, the Internal Revenue Code or any other regulatory framework.