Our Services

Plan Design and Implementation

Creating the right plan for you:

We listen to your objectives, analyze the data, and have a thoughtful discussion with you to craft a customized plan that accounts for the various complex legal requirements.

We will design a retirement plan with your unique needs in mind, helping you understand the many different types of retirement plans available to arrive at a solution that appeals to you, your employees, and your bottom line.

A creative design can often save a plan sponsor more money than their investments may earn.

Our friendly, professional staff will guide you through each step of the process:

Start your customized retirement plan analysis.

Our Services

Administration & Consulting

Saving you time and money with trusted expert guidance.

Our experienced team of professionals first and foremost sees that your plan stays compliant, verifies cash flows within the plan for each participant, and acts as an extended HR department to respond to questions/requests related to the company’s retirement plan.

Beyond the core compliance and trust accounting services, we annually review the plan and make recommendations to ensure the plan continues to meet your stated objectives accounting for demographic, legislative, and overall business changes.

We perform the following services to provide a smooth and efficient plan operation:

Coverage and non-discrimination compliance testing.
Preparation of IRS Form 5500 and related schedules.
Calculate employee eligibility and plan entry.
Maintain participant vested percentage records.
Allocate employer contributions per client objectives.
Distribution processing: Calculation of distribution amount, preparation of required distribution notices, release forms and IRS Form 1099R.

Loan processing: Set up of loan accounts, preparation of promissory note and amortization schedule and tracking loan repayments.
Reconcile investment accounts at a participant level by money type.
Prepare customized participant statements for employers to provide employees.
Prepare required and discretionary amendments to the plan documents.
Preparation of appropriate PBGC form (for defined benefit plans if applicable).

Grant Brown, VP and Jeffrey Brown, President

From defined benefit plans for business owners to 401(k) plans for hundreds of employees, we want to help your business save.

Our Services

ERISA Compliance Resolution

Preserving the tax favored treatment of your plan

Without the proper guidance and oversight, some Plans may fall out of compliance in form or operation and need corrective action to avoid potentially significant financial consequences.

Most commonly a plan sponsor is referred to us as they may have failed to do one of the following: update plan documents, follow the plan provisions, make proper contributions/distributions, or make timely 5500 filings.

We perform the following services to provide a smooth and efficient plan operation:

Guidance on making correction through the IRS Self Correction Program (SCP)
Preparation of IRS Voluntary Correction Program (VCP) application
Preparation of Delinquent Filer Voluntary Correction Program (DFVCP) application
Gathering material and representing you in the occasional IRS or DOL Audit of your plan

Our Services

Section 125 Cafeteria Plans

Pure tax savings for the employer and employees

If your employees pay for a portion of their health insurance costs, implementing a Section 125 plan allows for the premiums to be taken out of pay before being subject to payroll or income tax, saving the employer 7.65%+ and savings the employee 20-50% (depending on their marginal tax rate) for each dollar in premiums paid or money elected to be funded into a dependent care plan.

We provide the following to allow you and your employees immediate tax savings:

Start your customized retirement plan analysis.

Our Services

Pension Valuation

Divorce is never easy. Knowing what your pension is worth isn’t easy either.

When a couple is going through a divorce, their attorneys will often want to have an estimated current value of the Defined Benefit/Pension Plan that either spouse may have through their current or former employer.

Since most large private plans and public plans only allow for annuity forms of distribution, we are able to review their current plan documents and benefits statement(s) to provide an estimated present value of the benefit were a lump sum distribution option to be available that can them be used in the divorce negotiations.

Pension Valuation Request

Prefer to mail your request instead? Download our form and send it to us.

Our Services

Plan Design and Implementation

Creating the right plan for you:

Our friendly, professional staff will guide you through each step of the process:

Start your customized retirement plan analysis.

Our Services

Administration & Consulting

Saving you time and money with trusted expert guidance.

We perform the following services to provide a smooth and efficient plan operation:

From defined benefit plans for business owners to 401(k) plans for hundreds of employees, we want to help your business save.

Our Services

ERISA Compliance Resolution

Preserving the tax favored treatment of your plan

We perform the following services to provide a smooth and efficient plan operation:

Our Services

Section 125 Cafeteria Plans

Pure tax savings for the employer and employees

We provide the following to allow you and your employees immediate tax savings:

Start your customized retirement plan analysis.

Our Services

Pension Valuation

Divorce is never easy. Knowing what your pension is worth isn’t easy either.

Pension Valuation Request

Discover which Plan Type is right for you.

Let us optimize your retirement plan.

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