A retirement plan engineered for owners and employees

From solo entrepreneurs to growing teams — we design, install, and manage retirement plans as your 3(38) fiduciary partner. Simplified administration, real tax savings, and a benefit that helps your business compete.

We've got a plan for that

Six core plan types — chosen and structured around the people you employ and the goals you have for the business.

Up to 100 employees

SIMPLE IRA

A Savings Incentive Match Plan for Employees — easier and cheaper to administer than a 401(k). Employees defer pre-tax pay; employers either match up to 3% or make a 2% non-elective contribution for all eligible staff. Tax-deferred growth with straightforward setup.

Self-employed & owner-only

SEP IRA

A Simplified Employee Pension. Only the employer contributes — up to 25% of compensation (or 20% of net self-employment income) per participant. Minimal paperwork, tax-deductible contributions, and ideal for solo entrepreneurs and very small teams.

Owner-only (spouse OK)

Solo 401(k)

Built for self-employed business owners with no full-time employees. You contribute as both employee and employer — allowing significantly higher annual contributions than a SEP. Traditional and Roth options, with loan provisions available on many plans.

Owners who want to maximize deferrals

Safe Harbor 401(k)

Automatically satisfies IRS nondiscrimination testing so highly-compensated owners can fully fund their accounts. Requires a defined employer contribution (matching or 3% non-elective), all immediately 100% vested — predictable, simple, and powerful.

Growing teams

Custom 401(k)

A traditional 401(k) tailored to your workforce — Roth and pre-tax deferrals, employer match, vesting schedules, and a curated, low-cost investment menu. A real competitive benefit for attracting and retaining great employees.

Owners who want to reward key people

Profit Sharing / New Comparability

A profit-sharing design — often paired with a 401(k) — that allows different contribution rates for different employee groups. Lets owners and key employees receive significantly larger contributions while still passing IRS testing and providing a benefit to all.

Why It Matters

Elevate your business — and your people

Attract & Retain Talent

A competitive retirement plan is one of the most valued benefits employees evaluate when joining or staying with a company.

Real Tax Savings

Employer contributions are tax-deductible — and the SECURE Act 2.0 startup tax credit can offset much of your setup and admin costs.

Owner Wealth Acceleration

The right plan design lets owners contribute meaningfully more than an IRA alone — building personal wealth on a tax-advantaged basis.

Employee Financial Wellness

Help your team save for retirement, reduce financial stress, and engage with their long-term future at your company.

SECURE Act 2.0

Startup tax credit — up to 100% of plan costs

Eligible small employers can claim a tax credit against the cost of starting a new SEP, SIMPLE, or qualified plan — often offsetting the first three years of administration on a dollar-for-dollar basis.

See IRS Guidance →

The 3(38) Fiduciary Difference

We take on the responsibility — so you can run your business

As your 3(38) investment fiduciary, we don't just recommend the plan — we accept the legal duty for selecting and monitoring its investments. That transfers significant liability off your shoulders and into ours, where it belongs.

Know your fiduciary duties — we'll walk you through every one of them.

We serve as a 3(38) investment fiduciary — taking on the legal responsibility (and the liability) for selecting and monitoring plan investments.
We benchmark plan fees and provider costs annually so you can document a prudent process — and so participants aren't quietly overpaying.
We deliver employee education that actually moves the needle on enrollment and deferral rates.
Plan design is matched to your goals — whether that's maximizing owner contributions, simplifying admin, or rewarding key employees.

Ready to build a better plan?

Let's design one that works for owners and employees alike.

Schedule a Call