BUSINESS PENSION PLANNING & 401(k)s

Hard work pays off.

We provide:

• State of the art portfolio design and management for 401(k)s, defined benefit plans, SEP IRAs, and SIMPLE IRAs.
• Thorough analysis to make sure you are using the right pension planning vehicle for maximum tax efficiency and savings to the business.
• Compliant plan design that can skew a larger percentage of total company contributions to the owners while still meeting safe harbor standards..
• Expert investment advice to ensure that participant contributions grow steadily to provide for a secure retirement.

We value collaboration and work with small business owners and their advisors to develop tax-saving retirement strategies to enhance wealth with safety. Using a variety of investment vehicles, we develop pension plans to meet your liquidity, tax-deferral, and deduction needs.

New 401(k) Plans:

In today's competitive market, a retirement plan is a must to attract and retain top talent. IPS can assist you in setting up your 401(k) by helping you:

• Navigate complicated plan design issues, such as whether you should offer a Traditional, Safe Harbor, or Roth 401(k). IPS works with a team of experts to ensure that your plan is set up to increase tax efficiency with minimal cost and liability.

Existing 401(k) Plans:

Do you already have a 401(k) in place? IPS can add value to your existing plan, in most cases with no added cost to the company. We can help you:

• Provide a platform of investment choices that allow for diversified asset allocation models, allowing participants to protect and grow their contributions for a comfortable retirement.
• Hold regular on-site enrollment meetings for company employees to help navigate difficult market choices.
• Deliver complimentary full-service investment advice to the company to ensure that the employees, as well as the owners, are able to retire with the lifestyle they deserve. 

Studies show that only 38% of 401(k) plans offer enough choices to adequately build a diversified portfolio. According to the 2006 Pension Protection Act, if the plan administrator does not provide enough diverse investment choices for the participant to create a truly balanced mix, the business could be held liable for investment losses incurred by the participant. A plan administrator could diminish liability exposure simply by having a qualified investment advisor assist with the plan to ensure that the choices offered allow for proper diversification.

For a complimentary review of your retirement account, email IPS.

Combination Defined Benefit/ Defined Contribution Plans:

Changes to the Pension Protection Act in 2006 has made combination DB/DC plans a viable way to skew contributions towards company owners and allow for maximum tax-deferral.

The DB/DC Combination plan allows businesses to contribute hundreds of thousands of dollar a year to the plan, the majority of which can be skewed to the business owner as a result of tax law changes. The annual contribution allowed varies and is based on the years of service, ages and incomes of employees covered by the plan. This range illustrates how the DB/DC Combination Plan can provide a valuable alternative to the $46,000 cap of regular profit-sharing or 401(k) plans.

The DB/DC Combination plan is ideal for established small businesses with older, highly compensated owners that wish to accomplish any of the following objectives:

• Reduction of large income tax liabilities through hefty deductions.
• Expedited retirement plan funding to make up for years where contributions weren't made.
• Creation of a guaranteed nest egg with tax deferral.
• Minimized contributions to employee plans and maximized contributions to owner plans.

The experienced planners at Investment Protection Service will work with your CPA to conduct a feasibility study. This study reflects customized information that can help you and your CPA determine if the DB/DC Combination Plan will allow you to meet your pension planning goals.We are pleased to work with your tax professional and to explore the potential uses of this exciting, wealth-creating tool for you.

To find out if a Defined Benefit- Defined Contribution Combination plan is right for your business, email IPS.

Solo 401(k)s and Solo Roth 401(k)s:

If you are a business owner without employees and find yourself maxing out your current retirement plan, a Solo 401(k) could allow you to contribute up to $46,000 a year towards your retirement. Our expert money management protects and grows your wealth with safety, ensuring that your nest egg allows you the retirement you deserve.

SEP, SIMPLE, Traditional, and Roth IRAs:

Our firm manages millions of dollars in our clients' retirement accounts through Charles Schwab Institutional. We can help you begin a SEP for your business, establish an IRA or Roth, assist you with your 401(k) rollover, and more. Our expert advising helps safeguard your portfolio and offers an account design engineered to reduce risk and increase return.