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Retirement Plans for Business Owners

Business owners today face an increasing need to provide a retirement benefit for themselves and their employees. Retirement plans not only assist clients in pursuing their dreams of reaching financial independence sooner, but also provides significant tax advantages.

Designing the right retirement plan is a crucial part of an integrated financial strategy. Prototype plans that are available to the masses have design limitations that can potentially prevent you from achieving your goals. We create customized plans that can help maximize your savings, and improve efficiency while reducing costs. SWC helps you identify solutions that make the most sense for your business. We utilize case designs that may incorporate IRS Safe Harbor rules, or more sophisticated solutions such as new comparability testing, multi-plan integrated benefits testing, or even a Cash Balance Plan.

We work with highly experienced pension professionals, actuaries, and legal counsel with experience with the Employee Retirement Income Security Act (ERISA). These resources provides business onwers with greater knowledge of tax laws created by the Economic Growth and Tax Relief Reconciliation Act (EGTRRA) which can provide for increased pre-tax contributions than available for plans such as Profit-Sharing and 401(k) plans.

Plan Design and Management

We specialize in:

  • 401(k) Plans
  • Profit Sharing Plans
  • 403 (b) Plans
  • Cash Balance Plans
  • Defined Benefit Plans
  • Pension Consulting
  • Efficiency Reviews
  • Feasibility Studies
  • Benchmarking Analysis
  • Fiduciary Reviews / Education


Plan Services Provided

Our service offering includes but not limited to:

  • Managing fiduciary responsibility
  • Monitoring investments
  • Monitoring compliance issues
  • Ensuring proper and cost-effective plan administration
  • Educating plan participants on the importance of saving for their financial future
  • Monitoring and increasing participant satisfaction
  • Ensuring the plan matches employee demographics
  • Keeping current with industry and legislative updates
  • Ongoing oversight of plan design and implementation

Case Studies

These case studies are examples of actual retirement plan cases done by the First Allied Retirement Services Team. They demonstrate how a unique plan, or even a combination of plan types, can be used to help meet a client’s specific needs. Click on any of the following:


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