Picture Your Team Retiring Well — and Your Business Standing Out

Imagine the kind of employer people don’t want to leave. Offer a retirement plan — 401(k), SIMPLE IRA, or SEP IRA — that fits your budget and your goals, and watch it help you attract better talent, keep the people you’ve trained, and give your team a real path to a secure future. As an independent broker, we shop leading providers for you, not for one company.

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Build a Retirement Plan That Works for Everyone

A retirement plan is one of the most powerful benefits you can put behind your team. Picture the difference it makes: stronger offers when you’re hiring, less turnover among the people you’ve invested in, and employees who can finally see a clear path to financial security. As an independent broker with access to leading retirement plan providers, we design, set up, and manage a plan around your company’s goals and budget — working for you, not for one provider.

Whether you’re a small business owner who wants something simple or a growing company ready for a full-featured 401(k), we’ll talk through every option in plain English and help you choose the right fit with confidence.

See Your Options Side by Side

Plan Type	Employee Contribution	Employer Contribution	Best For
401(k)	Up to $23,000 ($30,500 age 50+)	Discretionary up to 25% of compensation	Businesses of all sizes wanting maximum flexibility and contribution limits
SIMPLE IRA	Up to $16,000 ($19,500 age 50+)	Mandatory: 2% nonelective or 3% matching	Small businesses with 100 or fewer employees seeking a lower-cost plan
SEP IRA	None (employer-only contributions)	Up to 25% of compensation (%66,000 max)	Self-employed individuals and small business owners with few or no employees

Plan Design & Customization

Every business has its own goals for retirement benefits. We work closely with you to design a plan that fits what you need and what your employees expect — so you can feel good about what you’re offering, including:

Vesting schedules — Immediate, graded, or cliff vesting to encourage employee retention
Employer match structures — Dollar-for-dollar, partial match, or profit-sharing contributions
Investment menu selection — Target-date funds, index funds, actively managed options, and self-directed brokerage
Automatic enrollment & escalation — Proven features that boost participation and savings rates
Roth vs. pre-tax contributions — Offer both to give employees tax flexibility
Safe harbor provisions — Simplified nondiscrimination testing for small businesses

Fiduciary Support & Compliance

As a plan sponsor, your business carries fiduciary responsibility under ERISA — and that’s a real risk if it’s handled wrong. The good news: you don’t have to shoulder it alone. We help you carry that responsibility with confidence, so you can sleep at night, through:

ERISA 3(21) co-fiduciary services — Shared fiduciary responsibility with professional investment advice
ERISA 3(38) investment management — Full delegation of investment selection and monitoring
Plan document & adoption agreements — Custom plan documents that comply with IRS and DOL requirements
Nondiscrimination testing — Annual ADP/ACP testing, top-heavy testing, and compliance reporting
Form 5500 filing — Annual reporting and audit coordination
Participant disclosures — Fee disclosure notices, quarterly statements, and summary plan descriptions

Employee Education & Engagement

A retirement plan only pays off if your team actually uses it. We provide ongoing education and clear communication that gets people enrolled and saving — so the benefit you’re paying for truly lands, including:

New-hire enrollment meetings — Group sessions and one-on-one guidance to get new employees started
Annual check-in campaigns — Personalized reminders to review contribution rates and investment allocations
Financial wellness resources — Webinars, tools, and materials covering budgeting, debt management, and retirement planning
Digital access — Online portals and mobile apps for account management on the go
Quarterly reporting — Easy-to-read plan performance summaries for both sponsors and participants

Frequently Asked Questions

What is the difference between a 401(k) and a SIMPLE IRA?

A 401(k) offers higher contribution limits and more flexibility in plan design, but comes with more administrative requirements and typically higher costs. A SIMPLE IRA is designed for small businesses with fewer than 100 employees, has lower contribution limits, and is simpler and less expensive to administer. We’ll help you determine which option fits your business size, budget, and goals.

How much does it cost to set up and maintain a retirement plan?

Costs vary widely depending on the type of plan, number of participants, and investment options selected. SIMPLE IRAs typically have the lowest costs, while full-featured 401(k) plans include recordkeeping, compliance, and fiduciary fees. We work with providers across the cost spectrum and will present transparent pricing so you know exactly what you’re paying.

Can I offer a retirement plan if I’m self-employed with no employees?

Absolutely. A SEP IRA or Solo 401(k) are excellent options for self-employed individuals and sole proprietors. SEP IRAs allow you to contribute up to 25% of your net earnings, while a Solo 401(k) lets you contribute as both employee and employer. Both are simple to set up and have low administrative costs.

Picture Your Team’s Future — Let’s Start Today

In one relaxed, no-pressure conversation, you’ll see exactly which plan fits your business and hear straight answers from a real licensed advisor. Free, no obligation — and we’re independent, so we’re loyal to you.

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