Pension Consulting Services

Wealth accumulation and preservation leading to financial independence and early retirement is of primary concern in counseling our clients. Custom-made, qualified profit sharing or retirement plans provide the primary avenue to achieve financial independence early in life.

A comprehensive employee benefit program of any employer has one key component: A 401(k) pension profit sharing plan, a pension plan or a combination of the two. There are many types of qualified pension plans that can be customized to fit the needs of your organization such as:

• Defined Benefit Plans
  • "Traditional" Defined Benefit Plans
  • Split Funded Defined Benefit Plans
  • Cash Balance Plans
  • "Cross-Tested" Defined Benefit Plans
• Defined Contribution Plans — Profit Sharing Plans
  • Cross-Tested
  • Pro-Rata
  • Integrated
  • Pure Age
• 403(b) Annuity Plans
• 401(k) Plans
  • Safe Harbor non Elective
  • Safe Harbor Match
  • Safe Harbor Enhanced Match
  • Traditional Match
  • Roth 401(k)
• Simplified Employer Pension (SEP)
• Savings Incentive Match Plans for Employees (SIMPLE)
• Combination Plans
  • Aggregate DB/DC Plans Tested Together
  • DB and DC Separate Plans not Tested Together

Each one of these plans has multiple variations that must be considered in designing the plan. The avenues available to you in selecting the best plan for your specific circumstances require a custom-made design due to the multitude of variations that must be taken into consideration. We can help. Our consulting services in this area of designing custom-made plans have brought success to our client's finances.

Why have a qualified, custom-made plan? The reasons are many — asset protection, tax deductible contributions, tax saving, financial independence, and tax-deferred wealth accumulation. How much savings could accumulate over a period? It could fluctuate with forces in the market place. However, depending on plan funding and other circumstances, you could bring your retirement account close to $1,500,000 over a ten year period. One-third of the annual funding for a custom-made plan comes from tax savings (IRS dollars) and the rest comes from employer-owner, depending on a variety of circumstances.

Do you currently have a qualified plan in need of revision due to tax law changes or other personal circumstances? Do you have any type of retirement plan? We can design a custom-made, qualified profit sharing or pension plan best suitable to your individual needs. We can help.

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