401(k) plans for business
For owners of businesses with fewer than 100 employees who offer a 401(k), or want to. We help you run the plan well, keep fees in view, and give your employees someone to call.
The questions owners ask us.
Most owners don't call us about investments. They call because the plan feels like one more job they never trained for.
"Am I running this plan right?"
A 401(k) comes with yearly paperwork, deadlines and decisions. We review how your plan is set up and run, tell you what needs attention, and help you keep up with it year after year.
"Are the fees fair?"
Plan costs come from several places: the investments, the record keeper and the advisor. We lay out what your plan costs, who is paid and for what, in plain English. Our own fees are explained before you decide anything.
"Am I exposed as the plan's fiduciary?"
Sponsoring a plan comes with real responsibilities, like choosing and monitoring the investments and keeping costs reasonable. We help you understand what's expected of you and keep the plan under regular review. Legal questions belong with your attorney, and we're glad to work alongside them.
"My employees want help I can't give."
How much should I save? Which funds should I pick? What do I do with my old 401(k)? We offer education for your whole team and one-on-one time for anyone who wants it, so you can send those questions our way.
What we help with.
Starting a plan, or taking one over
If you're starting from scratch, we help you choose a plan and set it up. If you already have one, we review it and take over as its advisor with as little disruption to your employees as possible.
Traditional 401(k) or SIMPLE IRA
A SIMPLE IRA is usually easier and less costly to run, but it has lower savings limits and requires the business to contribute. A traditional 401(k) lets employees save more and gives you more choices in how the plan works. We help you decide which fits your business.
A plan that fits your business goals
Your retirement plan should support the business you're building: attracting and keeping good people, and helping you save for your own retirement too.
Selling or handing off the business
When the time comes, we help you think through what a sale or transition means for the plan and for your own retirement, and connect you with trusted professionals for the rest.
How a plan review works.
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We look at your plan
Send us your current plan details, or tell us what you have in mind if you're starting fresh. We look at how the plan is set up, what it costs and how your employees use it.
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We tell you what we'd change
We walk you through what we found in plain English and recommend changes only where they make sense. You decide what happens next.
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We stay with the plan
If you choose to work with us, we keep the plan under regular review and stay available to you and your employees.
Schedule a 401(k) plan review.
Tell us a little about your business and your plan, and we'll call you to find a time that works.