PENSION PLANNING

IPS is happy to provide FREE lectures to your company instructing participants on how to pick a 401(k) mix from your current fund choices. To set up a lecture call 303-697-3174 or click here

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.

Existing 401(k) Plans

Cash Balance Plans

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

New 401(k) Plans

SEP, SIMPLE, Traditional, and Roth IRAs

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 401(k), email IPS.

Cash Balance Plans:

Changes to the Pension Protection Act in 2006 has made Cash Balance Plans a viable way to skew contributions towards company owners and allow for maximum tax-deferral.

Cash Balance Plans allow 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 a Cash Balance Plan, when paired with a Profit Sharing 401(k), can provide a valuable alternative to the $49,000 cap of regular profit-sharing or 401(k) plans.

A Cash Blance Plan 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 company to conduct a feasibility study. This study reflects customized information that can help you and your CPA determine if a Cash Balance Plan will allow you to meet your pension planning goals. We are pleased to work with your human resources and tax professional to explore the potential uses of this exciting, wealth-creating tool for you.

To find out if a Cash Balance 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.

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.

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.