Our Services
Plan Design
We collaborate with owners, advisors, and CPAs to design retirement plans that align with business objectives, maximize tax efficiency, and help attract/retain key employees. We evaluate eligibility, vesting, contribution formulas, compensation definitions, and distribution provisions to balance benefits, costs, and compliance.
Plan Document Preparation & Maintenance
We prepare IRS-approved plan documents tailored to your plan type and keep them current with required restatements and interim amendments. We manage adoption agreements, resolutions, and amendment schedules so your plan remains compliant as rules evolve.
Plan Administration & Compliance
Our team handles annual administration end-to-end: eligibility and allocation processing, compliance testing (ADP/ACP, coverage, top-heavy), contribution/funding calculations, and required participant notices. We provide proactive deadline reminders and coordinate filings so you can focus on running your business.
401(k) / Profit Sharing Consulting
We advise on safe harbor designs, new comparability/profit sharing allocations, Roth and after-tax features, auto-enrollment/escalation, and operational best practices. Our guidance aims to improve participation and outcomes while keeping your plan compliant and efficient to operate.
403(b) Plans
For nonprofits and certain educational institutions, we provide specialized 403(b) support including universal availability reviews, vendor coordination, and documentation requirements. We help determine ERISA applicability and ensure the plan aligns with organizational goals and regulatory requirements.
Governmental Form Preparation
We prepare and file required government forms such as Form 5500 series and applicable schedules, along with extensions and PBGC filings when needed. For special events (mergers, terminations, corrections), we assemble the proper filings and documentation to keep your plan in good standing.
Defined Benefit & Cash Balance Plans
We design, implement, and administer traditional defined benefit and cash balance plans for employers seeking higher contribution limits and predictable benefit structures. Services include actuarial valuations, funding projections, AFTAP certifications, and integration with existing defined contribution plans.
Actuarial Consulting
Our actuarial services include funding strategies, liability management, benefit calculations, and support for complex events such as mergers, acquisitions, and plan terminations. We provide strategic guidance and required certifications to help sponsors make informed decisions.