Today’s financial world is complex. But, with the right financial partner, it doesn’t have to be. You need confidence and clarity from your financial team. That’s why we never hide behind complicated jargon or push a one-size-fits-all solution. Rather, we provide straightforward, actionable guidance that you can trust.
Our wealth management and retirement plan teams use our in-house experience and expertise to help our clients achieve their financial goals. We uncover missed opportunities that help our clients minimize their taxes and maximize their wealth.
Whatever your goals, we build solutions that serve you best.
Spend less time worrying about your financial life. Successful individuals and families need different tools to preserve and grow wealth. We help our clients understand their options and develop strategies to meet multi-generational and philanthropic goals.Learn More
Get the investment advice that’s right for you. We follow a disciplined due diligence process to ensure that we fully understand the investments that we recommend. Our thorough process allows us to create strategies that match our clients’ investment goals and objectives.Learn More
Third Party Administration
Company retirement plans are important to us. Our team of actuaries and analysts can provide the high level of attention and service that our clients deserve. We handle the day-to-day details and ever-changing regulations of company retirement plans.Learn More
Retirement Plan Consulting
Retirement Plans are flexible. We educate businesses on plan design possibilities. Whether a client’s goal is to attract top talent, maximize tax-savings for the company’s principals or achieve other unique objectives, we have the expertise to customize a plan specifically for our clients.Learn More
Own your financial future. Our clients often have an idea of what they want in retirement but are unsure of how to achieve it. We work with our clients to provide clarity and confidence around the financial decisions encountered during the different stages of life.Learn More
Keep and grow the wealth you’ve worked so hard to build. The tax code is vast, yet certain regulations provide opportunities to minimize your tax bill. Working closely with our clients and their other advisors, we identify strategies to help our clients keep more of what they have earned.Learn More
Recent Blog Posts
This is the second in a two-part series about deductible contribution limits to qualified retirement plans. The first part last week covered the limits to defined contribution plans.
The tax-deductibility of qualified retirement plan contributions is a huge incentive for employers to sponsor these arrangements. As we noted last week, there are limits to how much retirement plan contribution an employer may deduct in a given tax year. The limit depends on whether the plan(s) involved are defined contribution (DC), defined benefit (DB), or a combination of DB and DC plans. Today, we will look at DB plans and DB/DC combos.
This is the first in a two-part series about deductible contribution limits to qualified retirement plans. The second part next week will cover arrangements that include defined benefit plans.
Contributions made by a business to a qualified retirement plan are generally tax-deductible. If the contributions were not tax-deductible, it is likely that fewer businesses would offer a retirement plan, instead paying employees higher wages and letting them fend for themselves for retirement saving.
As both a career professional in the retirement plan field and a citizen observer reading media coverage about 401(k) plan sponsors having to defend themselves from an onslaught of “excessive fee” litigation in recent years, it seems clearly evident that in most instances only half the story is being reported. While clearly fees (or costs) are important with regard to any product or service rendered (financial or otherwise), the quality, value, and ultimate performance of the item purchased is just as important if not more so than fees.
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