Business Planning

 

We believe in the positive impact retirement advisors have in preparing individuals for their life journey through retirement. We know the path to a successful retirement starts with our advisors offering the right solutions to a retirement plan and ends when the individual sustains financial security throughout retirement.

Our firm offers all of our business clients across the country and prospects to work with our advisors on a fee based retirement plan platform, and not a commissioned employer sponsored plan. With all of the new Department of Labor regulations that are going into effect, Fiduciary responsibilities on the employer as well as the plan advisors, must act in the clients’ best interest and hold all of us accountable to find the best retirement plan solution for your organization. We can look at as many as 32 Retirement Plan National Recordkeepers, including but not limited to, Fidelity, American Funds, PayChex, ADP, Principal, Mass Mutual, Nationwide, John Hancock, Voya, T. Rowe Price, etc.. as we can under the guidelines and goals you are looking for as a benefit to your current staff, a recruiting tool, and employee retaining vehicle.

We will listen to your desires and benefits on what you are looking for out of a retirement plan and try to build as much of a customized plan as we can within the guidelines compliant under the DOL, and what the plan providers can offer us.

We can construct the following plans for you:

• Traditional and Roth 401(k)’s with Safe Harbor Provisions and Discretionary Profit Sharing
• 403(b) Accounts
• Cash Balance Plans
• Executive Compensation Benefit Plans

We can also design and build the following Executive Benefits as well:

• Supplemental Life Insurance
• Split-dollar Life Insurance
• Supplemental Disability
• Cross Purchase Plans
• Long-Term Care Insurance
• Gold Handcuff Plans
• Buy-Sell Life and Disability Insurance Agreement Policies