Business Retirement Options

Planning For Your Employees' Futures

Retirement plans are the #1 benefit employees look for when searching for jobs. Offering retirement options is the most powerful way to attract the best workers and keep key employees while demonstrating long-term commitment to your team's financial well-being. A well-structured retirement plan shows that you care about their future, not just their present. It helps reduce financial stress, boosts morale, and encourages loyalty, leading to higher productivity and lower turnover. For employers, providing retirement benefits can also offer significant tax advantages to strengthen your company's reputation as a competitive, employee-focused organization.

Financial Planning Options We Offer

401k - The most popular option for businesses of all sizes. Employees contribute pre-tax dollars, and employers can choose to match contributions.

Simple IRA - A cost-effective plan for small businesses with 100 or fewer employees. It's easy to set up and requires minimal administration.

SEP IRA - Ideal for small businesses or self-employed owners. Only the employer contributes (up to 25% of each employee's pay), and contributions are tax-deductible. SEP IRAs are flexible and have low administrative costs.

Life Insurance & Annuities - Strategic coupling of these products can offer significant tax advantages to business owners and key employees.

403b Plans - A 403(b) plan is a tax-advantaged retirement savings plan available primarily to employees of public schools, certain nonprofit organizations, and some religious institutions. It functions similarly to a 401(k) but is specifically designed for nonprofit and educational sectors.