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Employer-Sponsored Retirement Plans

Employers often need guidance navigating the changing regulations around employer-sponsored retirement plans. These retirement plan benefits are key to recruiting and retaining your employees in a competitive job market. We can help you develop strategies for employer-sponsored retirement plans or evaluate your current plan so you may continue to prioritize the needs of your employees and business.

Our Core Services

Employer-sponsored retirement plans are not one-size, fits most. Each plan has its own benefits, features, complexity, and costs depending on the needs of your commercial enterprise, small business, or community organization. Perhaps you already have a plan – we can help to evaluate your current plan to ensure it is still meeting the needs of you and your employees.

Our Retirement Plan Consultants provide the following core services:

  • Investment Advisory – Create and implement a documented process to select, monitor and replace investments with either a 3(21) or 3(38) Fiduciary Investment Manager. Assistance developing your investment policy statement.
  • Fiduciary Governance – Educate fiduciaries, incorporate fee/expense benchmarking and implement best practices in an effort to minimize fiduciary risk.
  • Plan Program Provider Search – Identify potential retirement plan partners, provide a competitive pricing analysis, and assist with negotiating costs.
  • Employee Education Consulting – Provide financial education tailored to your employees ranging from group meetings to individual meetings and seminars.
  • Plan Design Assistance – Creating the optimal design to maximize employee retirement readiness.

As you consider establishing an employer-sponsored retirement plan, it’s important to understand the responsibilities of plan sponsorship. Retirement plan sponsors must meet certain fiduciary requirements designed to ensure that plans are being managed in an ethical manner for the sole benefit of plan participants.

Although fiduciary requirements can be complex, our team will work with you to help find a plan that’s right for your business, your employees' retirement needs, and that meets fiduciary standards.

Our Process

First, our Retirement Plan Consultant will meet with you to discuss your business needs and gather key pieces of information. Using years of knowledge and expertise, our team is able to understand complex fee structures, review and discuss plan options and implement or transition to a retirement solution that meets today’s employee's needs.

Choosing a Plan

A well-designed and well-administered employer-sponsored retirement plan can enhance your company’s ability to:

  • Provide employees with a greater opportunity for financial confidence
  • Maintain a competitive edge in hiring and retaining valuable employees
  • Save time by reducing back office administrative work
  • Generate tax credits and deductions for both business/organization and your employees.

Retirement plans available:

  • 401(k)/403(b) Plans
  • Non-Qualified 457 Plans
  • Defined Benefit Plans
    • Traditional Pension
    • Cash Balance
    • DB Termination Process
  • ESOP Plans
  • Equity Compensation Plans

This information was developed as a general guide to educate plan sponsors, but is not intended as authoritative guidance or tax or legal advice. Each plan has unique requirements and you should consult your attorney or tax advisor for guidance on your specific situation. In no way does advisor assure that, by using the information provided, plan sponsor will be in compliance with ERISA Regulations.

Contact Us

We look forward to helping you plan for the future of your business.

Joseph A. Cappello

Joseph A.  Cappello, CPFA, CMFC®, FPQP™

Wealth Manager & Retirement Plan Consultant

Paul Winkler

Paul  Winkler, AIF®, CPFA

Wealth Manager & Retirement Plan Consultant

Robert Wright

Robert  Wright, CPFA

Retirement Plans Specialist

To learn more about our services or to schedule an appointment: