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Identify. Design. Implement. Maintain.

OUR SERVICES

Our Approach
Simple. Thorough. Effective.

Identify Design Implement Maintain
Uncover all needs based on current realities and short & long term objectives Architect a custom solution that will get you to where you need to go Implement impeccably all plan components Maintain to ensure long term optimal performance, compliance and growth


Qualified Retirement Plan Design, Administration & Investment Services

Including 401(k), Safe Harbor 401(k), Profit-Sharing, Defined Benefit, Section 412(i), Cash Balance and 403(b) plans. We customize our plans to fit the needs and unique employee demographics of each client, with the goal of maximizing the benefits provided to the businesses owners and key executives. We educate plan fiduciaries regarding the best practices in operating their programs to minimize their fiduciary liability and guarantee a sound retirement program for their employees. We understand the guidelines that the IRS and Department of Labor have issued for the proper operation of qualified plans, as well as the responsibilities of each plan’s trustees and fiduciaries under those guidelines.

As your broker-representative, we offer the following solutions:

  • Employee education and enrollment meetings
  • Regular plan performance monitoring and review meetings with plan fiduciaries
  • Due-diligence, including fee and expense analysis
  • Customized Investment Policy Statements
  • Section 404(c) compliance consulting
  • Strategies to improve upon failed 401(k) testing results

As a third party administrator, we provide the following on a fee-for-service basis:

  • All required plan testing and reporting, including a signature-ready Form 5500 with all schedules
  • Compliance with all IRS and DOL administrative regulations
  • Preparation of all plan documents and amendments as needed
  • Customized plan designs, if desired

Our goal is to help you:

  • Create the most appropriate plan to meet your specific needs
  • Remain fully compliant with all IRS and Dept. of Labor requirements
  • Minimize your liability as Fiduciaries under ERISA through proper investment due-diligence and consulting, as well as employee education
  • Maximize the amount of benefit that the business owners and key employees may receive
  • Pass 401(k) Discrimination Testing through proven methods that increase plan participation
  • Be more educated about your retirement plan through periodic plan review meetings

Employee Benefit Consulting

Including Group Insurance such as Medical, Life/AD&D, Disability, Dental, Vision and Long-Term Care.  We will assist you in providing the highest-quality benefit programs at affordable premiums.

Our goal is to help you:

  • Utilize the tax codes that pertain to employee benefit programs to reduce overall costs and secure additional tax deductions for both your company and your employees
  • Monitor the marketplace to ascertain changing trends and new product offerings
  • Stay current on new legislation and determine the potential impact upon your business
  • Conduct employee education and enrollment meetings
  • Provide one point of contact for all administrative service and support
  • Process all of your enrollment transactions
  • Perform an annual market review to evaluate the competitiveness of your current programs

Estate & Business Succession Planning

Including estate tax reduction strategies, business buy/sell agreement consulting, IRA distribution planning, life, disability and long-term care insurance, as well as other wealth transfer and protection strategies.

Our goal is to help you:

  • Protect your business interests, which are often your main source of wealth, through properly designed and funded business continuation and succession plans
  • Reduce the devastating financial impact that a premature death or disability may have upon your family and business
  • Distribute your wealth to sustain your lifestyle on as tax-advantaged a basis as possible
  • Reduce your estate tax liability and maximize the amount of wealth you can transfer to your heirs

Strategic Alliance Partnerships
We offer the following services in conjunction with our strategic alliance partners:

  • Pre-Tax Employee Benefit Programs, such as Flexible Spending Accounts (FSA’s), Health Reimbursement Arrangements (HRA’s), Health Savings Accounts (HSA’s), Section 125 Plans, Section 132 Transit Reimbursement and Tuition Reimbursement Plans.
  • COBRA administration and compliance services
  • Medicare Supplement Programs
  • Human Resources Consulting Services
  • Property and Casualty Insurance
  • International Insurance
  • Worksite Voluntary Employee Benefit Programs
Professional Referrals

In order to build meaningful relationships and become a valuable resource to you and your business, on both a personal and professional basis, we would be happy to introduce you to our strong network of industry leading professionals and service providers, including:
  • Accountants
  • Attorneys
  • Payroll providers
  • Real Estate Professionals
  • Residential and Commercial Construction Contractors
  • Suppliers
  • Business Advisors
  • Computer IT and Web Designers
  • Venture Capitalists
  • Many, many others


We would be happy to connect you with any of our contacts if their services may be of benefit to you and your organization.

 
 
Pension & Wealth Consultants, LLC 2008
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