Retirement Plan Services
Retirement Plan Finder
We’ll ask a few quick questions to help you narrow in on retirement plan options that may fit your situation.
Which of the following best describes you?
How many employees do you have?
What are your top priorities? (Select all that apply)
Are maximizing contributions and tax savings a priority?
What best describes your organization?
What would you like to understand better?
Who will be eligible to participate?
Your recommended options:
Ready to review which structure makes the most sense for your business?
Schedule a ConversationYour plan review may include:
Want an independent review of your existing retirement plan?
Schedule a ConversationYour recommended options:
Your recommended options:
Your recommended option:
Your recommended plan type:
Your recommended plan type:
Want to explore how a 457 could work for your organization?
Schedule a ConversationHelpful resources:
Your recommended plan type:
Good starting points:
How We Work
Retirement plans are one of the most powerful ways businesses can support their employees and strengthen their own financial foundation. We partner with plan sponsors and participants to design, manage, and oversee plans that are efficient, compliant, and built for long-term success.
Jeremy Soboleski leads our 401(k) and retirement plan services, bringing extensive experience in helping businesses navigate the complexities of employer-sponsored plans. Through strong partnerships and a deep understanding of business operations, he provides the insight and resources needed to identify the right retirement plan for your company.
From 401(k) solutions and fiduciary oversight to education programs and plan benchmarking, we ensure every component works together seamlessly, supporting both business goals and employee outcomes.
401(k)
401(k) Plans
Our process begins by understanding the structure and needs of each organization. Whether establishing a new plan, reviewing an existing one, or managing ongoing administration, we focus on building a program that is efficient, compliant, and easy to maintain. From selecting investment options and establishing matching formulas to coordinating with third-party administrators, we ensure every piece works together smoothly.
For participants, we emphasize clarity and education, helping them understand how to make the most of their plan, increase contributions over time, and invest confidently toward their long-term goals.
By combining fiduciary oversight, personalized support, and transparent communication, we make the 401(k) experience valuable and sustainable for everyone involved.
Profit Sharing
Profit sharing allows employers to make discretionary contributions to employees' retirement accounts within a 401(k) plan, creating a flexible and rewarding way to share business success. Contributions can vary each year based on performance, cash flow, or company goals.
For employers, profit sharing is a strategic way to reward employees, retain talent, and take advantage of tax benefits. It offers complete customization; contributions can be distributed evenly or structured by tenure, compensation, or role.
For employees, it strengthens engagement and grows long-term savings by directly linking company performance to personal financial progress.
Safe Harbor 401(k)
Safe Harbor 401(k) plans are designed to simplify retirement saving for both employers and employees. By meeting certain contribution and matching requirements, these plans automatically satisfy IRS nondiscrimination tests, helping businesses avoid administrative complexity while ensuring all employees benefit fairly.
For employers, Safe Harbor plans bring predictability and peace of mind. Contributions are clear, compliance is simplified, and participation rates often rise thanks to the built-in match structure.
For employees, Safe Harbor ensures consistent employer contributions and equal opportunity for growth, creating a plan that supports participation and builds long-term retirement readiness across the organization.
Cash Balance Plans
A Cash Balance Plan combines the predictability of a pension with the flexibility of a 401(k). These plans are especially effective for established businesses and high-earning professionals seeking to maximize retirement savings while reducing taxable income.
Rather than employee-directed contributions, the plan defines a guaranteed benefit that grows annually through employer contributions and interest credits. This structure allows for significantly higher contribution limits than a traditional 401(k), creating powerful opportunities for long-term wealth accumulation.
When paired with a 401(k), Cash Balance Plans help business owners make the most of profitable years while building retirement security in a tax-efficient way.
Owner-Only / Individual 401(k)
An Owner-Only 401(k), or Individual K, is designed for business owners and self-employed professionals with no employees other than a spouse. It offers the same powerful savings potential as a traditional 401(k) with added flexibility and higher contribution limits.
These plans allow owners to contribute as both the employee and the employer, maximizing savings while reducing taxable income. For entrepreneurs and small business owners, it's an efficient way to build retirement wealth without the administrative complexity of a larger plan.
We help clients determine eligibility, establish contribution strategies, and maintain compliance so they can focus on growing their business while optimizing their retirement savings.
Advisory & Support Services
3(38) Fiduciary Services
As a 3(38) Investment Manager, we take on full discretion and responsibility for selecting, monitoring, and managing the investments within a retirement plan. Acting as a fiduciary means we make investment decisions in the best interests of participants, relieving plan sponsors of the daily oversight and liability that come with investment management.
For employers, this structure simplifies plan administration and reduces risk. For employees, it provides confidence that their investments are continually monitored and adjusted by professionals focused on long-term success.
Through expertise and accountability, we bring clarity and trust to the investment process, helping every plan stay disciplined, transparent, and aligned with its goals.
3(21) Investment Guidance
As a 3(21) Fiduciary, we serve as an investment advisor to the plan, providing professional recommendations while the plan sponsor retains final decision-making authority. This shared responsibility gives employers access to expert guidance and fiduciary support while maintaining control over their plan's investment lineup.
Unlike the 3(38), which grants full discretion, the 3(21) model is collaborative. We advise, educate, and support sponsors in making well-informed choices that serve participants' best interests.
This partnership brings clarity and confidence to plan management, ensuring the investment options offered remain diversified, appropriate, and aligned with the plan's objectives.
Participant Education
A strong retirement plan depends on engaged, informed participants. Our education programs help employees make confident decisions about saving and investing while supporting employers’ goals for plan success.
We focus on practical guidance, helping participants understand contribution strategies, investment choices, and the long-term benefits of consistent saving. For employers, these efforts boost participation, improve retirement readiness, and help meet fiduciary standards for participant engagement.
By fostering awareness and empowering participants to take ownership of their financial futures, we help create plans that work better for everyone involved.
Plan Design
Every successful retirement plan starts with thoughtful design. We help clients create structures that meet the needs of both the business and its employees, from eligibility and matching formulas to vesting schedules and contribution strategies.
Our approach is collaborative. We work closely with employers to understand their goals, cash flow, and workforce demographics before tailoring a plan that balances flexibility, compliance, and long-term sustainability. We also review and adjust plan design over time, ensuring it evolves alongside the business and regulatory environment.
This proactive approach helps businesses stay competitive, employees stay engaged, and retirement outcomes stay on track.
Fee Benchmarking
Fee benchmarking ensures that plan costs remain fair, transparent, and aligned with industry standards. We review and compare investment expenses, recordkeeping costs, and advisory fees to confirm that each plan provides strong value for both the business and its participants.
Our goal is to help clients understand exactly what they're paying for and why. This process not only supports fiduciary responsibility but also highlights opportunities to enhance efficiency and strengthen the plan.
Benchmarking is conducted regularly as part of our ongoing oversight, giving plan sponsors confidence that their retirement program remains competitive and cost-effective.
Other Employer-Sponsored Plans
403(b) Plans
A 403(b) plan is designed for employees of public schools, nonprofits, and certain religious institutions. It functions similarly to a 401(k), allowing participants to contribute pre-tax or Roth dollars while benefiting from tax-deferred growth.
For organizations, 403(b) plans help support employee retention and financial well-being. We assist in designing, implementing, and maintaining plans that remain compliant, efficient, and aligned with both organizational and participant goals.
For employees, these plans offer a straightforward way to save for retirement while benefiting from professional oversight and education, helping them build confidence and consistency in their long-term financial planning.
457 Plans
A 457 plan is a tax-advantaged retirement savings option available to government entities and certain nonprofit organizations. It allows employees to defer income on a pre-tax or Roth basis, reducing current taxes while building long-term savings.
For employers, these plans serve as a competitive benefit that attracts and retains quality employees. For participants, 457 plans offer unique flexibility, including penalty-free withdrawals upon separation from service, even before age 59½.
We help both sponsors and employees understand how to integrate 457 plans effectively within broader financial strategies, ensuring they serve their intended purpose efficiently and confidently.
IRA Plans
SEP IRA Plans
A Simplified Employee Pension (SEP) IRA gives small business owners and self-employed individuals a flexible way to contribute to retirement savings without the administrative complexity of a 401(k).
Employers can make discretionary contributions each year, allowing them to adjust based on business performance or cash flow.
SEP IRAs are simple to establish, tax-deductible, and adaptable. They are an excellent choice for smaller organizations or those with variable income. They provide a cost-effective path to meaningful retirement savings while maintaining control and flexibility.
SIMPLE IRA Plans
A Savings Incentive Match Plan for Employees (SIMPLE) IRA is designed for small businesses seeking a straightforward, affordable retirement plan. Both employers and employees contribute, creating a shared structure that encourages participation and long-term saving.
Unlike a SEP IRA, where only the employer contributes, SIMPLE IRAs promote collaboration, employees defer a portion of their pay, and employers provide a match or fixed contribution. This shared commitment fosters engagement and strengthens financial wellness across the organization.
SIMPLE IRAs are ideal for growing businesses looking to build a lasting foundation for retirement readiness without the cost or complexity of a larger plan.
Contact Us
Plan Guidance, Made Simple
Whether you're an employer overseeing a retirement plan or an employee participating in one, thoughtful design, clear fiduciary oversight, and ongoing support make all the difference. Let's talk about how we can help your plan work better for everyone involved.