Employee Retirement Plans
Retirement plan design and management for businesses and non-profits — 401(k), 403(b), SEP/SIMPLE, Solo 401(k), and defined-benefit plans.
A well-designed retirement plan is one of the most powerful tools an employer has — helping attract and retain talent, reduce taxes, and build long-term wealth for owners and employees alike. The right structure depends on whether you are a business, a small or solo operation, or a non-profit organization.
We help employers evaluate, implement, and manage retirement plans across the full landscape: from 401(k)s and SEP/SIMPLE IRAs for businesses, to Solo 401(k)s and defined-benefit plans for owners and high earners, to 403(b) plans for non-profit, educational, and faith-based organizations.
What We Offer
Capabilities available through this service may include
- 401(k) plan design, setup, and ongoing management
- SEP IRA, SIMPLE IRA, and Solo 401(k) options for smaller and owner-only businesses
- Small business and retirement plan consulting for owners and growing teams
- Defined-benefit and cash-balance plans for higher-earning owners
- 403(b) plans for non-profit, educational, and faith-based organizations
- Investment menu selection, monitoring, and participant education
- Fiduciary guidance and annual compliance review
Choosing the Right Plan
The right retirement plan depends on your organization's size, cash flow, headcount, and goals. A Solo 401(k) might be perfect for a sole proprietor, a traditional 401(k) with matching for a growing team, and a 403(b) for a non-profit or school. We help you compare the options and select the structure that fits.
For Small Business Owners
Small business owners have unique opportunities to shelter income. A Solo 401(k) allows both employee and employer contributions, potentially sheltering over $69,000 per year, and for those looking to save even more, cash-balance and defined-benefit plans can allow annual contributions well into six figures. We model these scenarios to show the real after-tax impact of each approach.
403(b) Plans for Non-Profits & Institutions
403(b) plans are the non-profit equivalent of the 401(k) — same tax-deferred power, different rules and provider landscape. We help non-profit boards, school administrators, and ministry leaders design plans that attract talent, control fiduciary risk, and stay compliant with IRS Section 403(b) regulations, coordinating with recordkeepers, third-party administrators, and your legal counsel.
Ongoing Plan Management
Setting up a plan is just the beginning. We provide ongoing investment monitoring, fund-selection reviews, and compliance support designed to help your plan continue to serve its purpose year after year.
Ready to Get Started?
Schedule a consultation to discuss how our employee retirement plans services can help you reach your goals.