Retirement and Succession

Our newest service guides 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,

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.

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

Through our 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.

Call {(818) 489-4228} or E-Mail Steven to get started on yours.

Visit our Archive-Library

As part of our commitment to client and tax-practitioner awareness and education we write extensively on topics related to our practice service-matrix (and occasionally on topics that are far-afield from it). Rather than clutter our service pages with things very few people ever read (OK, we acknowledge - a lot of this stuff is just plain boring to other people), we collect the most current of those writings in our Archive - Library.

There, you will find Investment, Portfolio Management, and Comprehensive Financial Planning articles, worksheets and checklists with topics that range from: 

  • Everyday: "What Kind of Retirement Plans are Available? - How Do I Choose?" "Can My Retirement Plan Buy My Business?"

  • Practical: "How can I Save for Current Needs, Education, Retirement or Business Succession ... ," and

  • Life Management: "I've Fully Funded My Qualified Plans - Are There More Savings Options?"

You will also find

  • Articles and information that illuminate our other services (e.g. "Why Invest in Real Estate") and

  • Our latest Newsletters (One each month for our Business Practice and our Wealth Practice - Plus our "Critical Date Monitor") 

Our Archive-Library materials range from "readily understandable by anyone who can read" to "you'll probably need professional credentials and experience to assimilate this one." You can usually determine which you are looking at by reviewing the footnotes and end-notes. The more referenced articles are designed for our colleagues - in the spirit of cooperation, and in the hope that we can contribute something to our profession. 

Note to our fellows and colleagues: Feel free to use any of our library materials in your own practice - just give us credit (and don't re-publish them without our permission and acknowledgement - that could get nasty). We welcome your feedback, constructive comments, and questions... we sometimes miss the obvious and your feedback helps remedy that. We view our colleagues as collaborators - not competition. There is plenty of work out there for all of us.

Apropos that last paragraph: Let us know what you do well - especially if it is a service we don't offer. We generate a "steady trickle" of referrals for other services and would be happy to add you to our referral list (after we've vetted you and  gotten to know you a bit). Contact us by email or phone to start the relationship. 

© 2014-2020  by Steven J Roy Management. Steven J Roy Management is an equal housing opportunity broker, California Bureau of Real Estate license number 01706626. Steven J Roy Management is affiliated with Cambyses Financial Advisors, LLC a Registered Investment Advisor - CRD 230786 - Proudly created with Wix.com

 

The facts and information on these pages are reproduced from sources we have found to be reliable, but we cannot guarantee accuracy or completeness. Our observations and conclusions are general in nature and may not apply to specific situations. Nothing in this website should be construed as professional advice or professional opinion. Please consult your own advisors on matters of law, accounting and finance, taxes, insurance, planning, and investment before making significant decisions.