We support you.
From start-ups to large established businesses, we have the professional experience to help with your consulting, compliance and retirement plan administration needs.
Request a proposalWhatever your industry, if you support clients you need partnerships you can trust.
We are not financial advisors and we never will be. You own the relationship and the investment lineup. We handle plan design, compliance testing, government filings and the technical questions that arrive at the worst possible moment.
Plan design support
Bring us a census and a goal. We come back with designs and the arithmetic behind each one.
Proposals in your branding
Firm overviews, plan setup and transition overviews, 401(k) design and Cash Balance guides.
Recordkeeper relationships
Established links with the major platforms, so the handoff does not become your problem.
Technical backup
Testing, corrections, controlled groups and the questions that do not have a tidy answer.
What changed, grouped by when it bites.
A working summary for advisor conversations. Reach out to our team if you have questions about how to update a specific client.
- Startup credit covers up to 100% of qualifying plan startup costs for employers with 50 or fewer employees
- Required minimum distribution age moved to 73
- Employers may offer small immediate financial incentives to encourage deferrals
- Sole proprietors may establish a solo 401(k) up to the tax filing deadline
- Emergency savings withdrawals of up to $1,000 per year without the early distribution penalty
- Roth treatment for SIMPLE and SEP contributions
- Long term part time employees become eligible after consecutive years of part time service
- Automatic enrollment and escalation required for most new plans established after December 2022
- Higher catch-up contribution limits for participants aged 60 through 63
- Roth treatment required for catch-up contributions above the wage threshold
- Saver's Match replaces the Saver's Credit
- Retirement savings lost and found for missing participants
Summary only, and effective dates have moved more than once. Confirm the current position with our team before advising a client.
Send the census. We will send the design.
Headcount, ages, compensation and what the owners are trying to accomplish. That is enough to model something real.
A dedicated team focused on you and your employees.
Tell us your goals and we will design the plan that gets you there. Call (858) 257-3555.