A benefits package that includes a retirement plan will help attract and retain quality & productive employees.  The unpredictable & political nature of social security has driven home the fact that employees need to be in control of their retirement planning destiny and ensure for themselves, a secure and comfortable retirement.

You can count on The Walsh Group to be your one-stop resource for all of your retirement planning needs.  The types of plans, cost, testing implications, regulations, service, performance and other factors considered with your retirement plan objectives will help us determine the ideal program to help meet your needs.  And as circumstances change we will be there to help make sure your program stays on track.

• TRADITIONAL
• SIMPLE
• AGE-WEIGHTED
• NEW COMPARABILITY
• SAFE HARBOR

The Walsh Group can provide the professional guidance that you need to meet your corporate goals and the service and support your employee’s need.

• 401(k) Plans
• Defined Benefit Plans
• Defined Contribution Plans
• Profit Sharing Plans
• Money Purchase Plans
• Non-Qualified Deferred Compensation Plans

As pension laws change and become increasing complex, it is becoming more and more difficult to make sure that your plan is complying with all the new laws.

Keeping in step with pension law can be a real headache, but it’s absolutely necessary that your plan be in compliance in order to maintain its qualified status.

Are you dealing with a host of different firms, attorneys and administrators for your plan needs?

The Walsh Group offers compliance, administrative and consultative services all under one roof and at an extremely competitive cost.  We are qualified plan professionals; we will guide you through the intricacies of qualified plan law and ensure that your plan remains up to date.

We understand the needs and concerns of both plan sponsors and participants and offer a full range of products and services.

One of the more popular retirement plans, a 401(k) plan:

• Allows employees a greater involvement in their retirement planning
• Allows employees to make pre-tax salary deferral contributions
• Allows employers to elect whether or not to make matching contributions
• Allows earnings on contributions to grow tax-deferred

Since contributions may be made solely by salary deferrals, the plan sponsor has the flexibility to design a plan that fits the company’s needs.  The employer is able to provide a highly visible and extremely popular benefit at what may be a very minimal cost.

If you already have a profit sharing plan, you may want to explore the possibility of including a 401(k) provision.  This is generally a simple amendment to an existing plan.

Advances in information technology have brought exciting innovations to the qualified plan arena:

• Internet account access
• Interactive retirement modeling programs
• Internet performance monitoring

You and your employees deserve the most advanced systems available and The Walsh Group will make sure you have them.

Are you a small business owner looking to put away more money for your retirement?

Do you find that you and your key people don’t benefit enough from standard retirement plans?

Depending on your employee population, there may be an answer for you – the age weighted profit sharing plan.

If you are an older business owner with a mostly younger, lower paid employee group, this plan may work well for you.

An age weighted profit sharing plan allows you to favor older, key employees.  It allows for discretionary, flexible contributions.  These contributions are allocated based not only on compensation, but on age.  The lion’s share of any contribution will go to your older employees.

Do you have any of the following concerns about your qualified retirement plan?

• You, personally, are receiving too small a percentage of plan contributions.  Or, in other words, the cost for your non-key employees is too high.

• The administration of your plan is not being handled in a timely and efficient manner.  Administration costs may be excessive.

• Your investment returns are low in relation to your investment objectives.

If any of these issues is a problem, The Walsh Group can help.

SPECIAL VALUE

How do Fortune 1000 companies with billions in assets structure their plans?  Simply stated, they hire a pension consultant, develop investment policy statements, retain the top institutional money managers in the country to invest the assets and provide reams of data and supporting services to make sure their plan is in compliance with applicable regulations.

If have $50 to $100 million in assets and don’t mind spending six figures on a consultant to develop this program for you then you have a range of options.

However, if you like this concept without the price tag then we should talk.

The Walsh Group has a special affiliation with a provider who can avail this same concept, for defined benefit and defined contribution plans (i.e. 401(K) plans), for businesses with as little as $500,00 in retirement plan assets!

Return to Top