Retirement and Succession

We, in cooperation with Cambyses Financial Advisors, guide businesses with one to two hundred and fifty employees through the process of designing, adopting, funding, managing, and maintaining plans that:

  • Provide retirement savings vehicles for owners and employees;.

  • Mitigate tax for both owners and employees,

  • Improve employee retention making the workplace a more stable and productive environment, and

  • Create and promote succession opportunities and employee buyouts

Our capabilities extend to both defined contribution and defined benefit plans, including both ERISA and Non-ERISA fiduciary services. We view your Retirement Plan as a key asset in your Succession Plan

We offer:

  • Retirement and benefit planning: analysis, planning, design, and Plan implementation,

  • Administration for Qualified or Non-Qualified retirement plans

  • Plan compliance reporting and returns.  

  • Plan tax representation and defense.

Politics is the gizzard of society, full of grit and gravel, and the two political parties are its opposite halves - sometimes split into quarters - which grind on each other. Not only individuals but states have thus a confirmed dyspepsia. - Henry David Thoreau

We often link those business services to your post-retirement exit and succession plan.

  • Pre-retirement (exit) planning and counseling for you and your employees,

  • Business succession Planning: Buy/Sell agreements,

  • Management or Ownership transitions; Business sale, merger, acquisition or dissolution, and

  • Post-exit vehicles to preserve your and your employees' assets in retirement

If you are funding a business retirement-succession plan Cambyses Financial Advisors LLC (CFA), an affiliated company, provides Investment Advisory and Portfolio management services, as well as assistance with establishing and carrying out your Investment Policy Statement.

Through our affiliate, custodian and our consultants we offer a full range of platforms -- some that offer simplicity, others that offer flexibility, and some that aid in "end of working life planning and succession." Here is the short list of platforms we offer:

Individual Retirement Accounts (IRA); Plans for employees and their spouses

  • Traditional and Roth IRA (with or without self administration options)

  • Roll-Over IRAs; Traditional and Roth

  • Beneficiary IRAs

 

"Easiest to Implement and Maintain" Plans for Small Businesses:

  • Payroll Deduction IRAs

  • Simplified Employee Plans (SEPs)

  • Savings Incentive Match Plan for Employees (SIMPLE IRA)

  • Salary Reduction Simplified Employee Pension (SARSEP)

  • Solo 401(k) Plans

  • 403(b) Plans

 

"Flexible - but not necessarily easy to Implement and Maintain" Plans for Small Businesses

  • Multi-Employee 401(k) Plans

  • Employee Stock Ownership Plans

  • Keogh - Profit Sharing Plans

  • Keogh - Money Purchase Plans

  • Defined Benefit Plans (Bulk submitter or Custom Design)

  • Top Hat Plans (Supplemental savings for highly compensated people)

We believe that no small business, small business owner, or small business employee thrives without a Retirement Plan.