RETIREMENT BENEFITS


Business goals should align with retirement benefits.

Business retirement plans can reduce taxes, increase savings and incentivize employees. Our retirement planning experts can help you with a variety of retirement benefit programs, big or small.






Small Business Retirement Plans

Whether you’re a solo entrepreneur, have a partner or a few employees, certain types of retirement plans are better suited for small businesses. We help small businesses benefit from the simplicity and lower costs associated with these specific retirement plans.

  • SEP IRA
  • SIMPLE IRA
  • Solo 401(k)


Defined Contribution Plans

These plans allow for both employee and employer contributions and are best suited for businesses with multiple employees. Under these arrangements, a certain dollar amount or percentage of money is contributed to the plan for the benefit of each participating employee.

  • 401(k)
  • 403(b)
  • Profit Sharing
  • Money Purchase Pension


Defined Benefit Plans

These types of retirement plans use formulas to define the benefit each participating employee will receive in the future. Defined benefit plans can provide significantly higher tax deferrals and retirement benefits compared to defined contribution plans.

  • Traditional Defined Benefit
  • Cash Balance
  • Pension Plan


Non-Qualified Plans

By far the most flexible type of retirement benefit, a non-qualified plan is not subject to ERISA guidelines. These types of plans can be setup to benefit only specific highly compensated employees and owners, but there are additional risks and drawbacks to consider.

  • Supplemental Executive Retirement Plan
  • Top Hat Plan
  • Rabbi Trust
  • Deferred Compensation


Risk Management

It’s important to protect the people you love and everything you’ve worked hard to achieve. We can help you identify different risks and compare options to best deal with them. There is no one-size-fits-all policy, make insurance decisions that make sense for you.

  • Term Life Insurance
  • Whole Life & Universal Life Insurance
  • Group Insurance Benefits
  • Long Term Care Insurance
  • Disability Insurance


Estate Planning

Your legacy is important. A comprehensive estate plan should protect your assets and provide direction to loved ones in the event of incapacity or death. We openly collaborate with your attorney and accountant to design a holistic estate plan that addresses your wishes.

  • Trusts and Wills
  • Power of Attorney
  • Health Care Directives
  • Irrevocable Trusts
  • Charitable Giving