Plan Design

With so many available options, how do you choose the plan that both maximizes your retirement savings and gives you the most tax-saving advantages? Whether you are the business owner, the financial advisor, or the accountant, we will work side-by-side with you to determine which plan will work best with the unique demographics and goals of the company.

Defined Contribution Plan Design:

  • Traditional 401(k) Plans
  • Safe Harbor 401(k) Plans (automatically satisfies deferral & top heavy testing)
  • Solo 401(k) Plans (owner-only businesses)
  • 401(k) Profit Sharing Plans- various allocation methods including:
    • Pro-Rata Allocation
    • Integrated with Social Security
    • Age-Weighted
    • New Comparability (cross tested)
  • 403(b) Plans
    • ERISA & Non-ERISA
    • Money Purchase