Business Retirement Plans

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Funding retirement is crucial in today’s financial environment. As a business owner, you want to provide for yourself, certainly, but you also want to allow your employees to have the opportunity to provide for themselves.

Wiser Wealth can provide a 401(k) plan that meets and exceeds your company’s retirement needs. Our goal is to help people save more efficiently and eventually gain the knowledge they need to become financially independent.

We have teamed up with Ubiquity Retirement Savings to provide a plan with the following benefits:

  • Indexing: Using index funds, such as exchange traded funds (ETFs) offers lower cost and better diversified investment options compared to traditional mutual funds.
  • Fiduciary Responsibility: Wiser Wealth serves as co-fiduciary with the plan sponsor. As plan sponsor, you are required to structure your 401(k) plan in the best interest of your participants. Wiser Wealth shares this responsibility with you by providing sound and impartial investment and plan recommendations
  • Plan Sponsor Support: We walk with you each step of the way in setting up your plan, educating your participants, and guiding you as you make plan decisions.
  • Professionally Managed Models: In addition to individual index funds participants may select, Wiser Wealth has designed target risk models to provide participants with a ready- made set of investment options optimized for their investment goals.
  • Employee Education: We provide initial and ongoing employee education. We will present plan features and benefits and assist with plan enrollment. We also offer lunch and learn sessions on various topics, such as budgeting, saving for retirement, and behavioral finance.

Offering a company-sponsored retirement plan provides several benefits. It allows you to attract and retain good employees. It allows them to save more efficiently. If profit sharing is included within the plan, it allows you to reward your employees for their efforts in helping you achieve business success.

The right 401(k) plan can help you accomplish these goals and more. You need a plan that is reasonable in cost, with transparency in fees. You want a partner that will share your need to protect yourself with fiduciary responsibility. You also need a plan that fits your business size.

Click here for our 401k brochure

Some businesses may also consider SEP (Simplified Employee Pension) plan and SIMPLE (Savings Incentive Match Plan for Employees) IRAs for their business. You can learn more about these specific plans on the IRS website.

Ready to create a retirement plan for your small business? Email us today at info@wiserinvestor.com or Contact Us.

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