Broker Check

Retirement Plans

Client Centered

A retirement plan is a great benefit that can attract and retain top talent and it offers tax advantages as well as investment opportunities. A number of plan solutions are more affordable and relatively easy to set-up and operate.

Plan sponsors are faced with significant fiduciary responsibilities and potential personal liabilities. Adopting a prudent, documented process is the most important aspect of limiting fiduciary risk. Hiring a qualified professional and delegating some of the fiduciary responsibilities can help further reduce potential liabilities.

PlanTrust Wealth Management serves as a 3(21) Investment Adviser, a co-fiduciary helping plan sponsors with investment recommendations, employee education and benchmarking to ensure your plan meets its fiduciary responsibilities.


  • We can help you create and maintain a high quality retirement plan by providing a superior level of plan service and ongoing educational support for employees.
  • We will work with your current provider to see that your plan runs as smoothly as possible.
  • We can help you avoid the most common mistakes made by well meaning plan sponsors.
  • We can show you how to create a diversified menu of investment options and more!

Plan Options


  • For businesses of any size.
  • Does not have the start-up or operational cost like conventional retirement plans.
  • Permits employer-only contributions.
  • Allows employers to contribute to a traditional IRA set up for employees.


  • For businesses of any size.
  • Similar to a traditional 401(k) plan but must provide for employer contributions that are fully vested when made, among other things.
  • Employers must satisfy certain notice requirements.
  • Not subject to the complex annual nondiscrimination tests that apply to other traditional 401(k) plans.


  • For businesses of any size.
  • Allows eligible employees to make pre-tax contributions through payroll deductions.
  • Employer contributions are optional for employees.
  • Employer contributions can be vested on a schedule.
  • Contributions must meet plan specific nondiscrimination requirements.


  • A simple retirement arrangement that allows employees to establish an IRA (traditional or Roth) with a financial institution through payroll deductions.
  • Requires no plan document to be adopted.


  • A type of 401(k) plan that allows small business to have an effective and cost-efficient way to save for retirement.
  • Allows employee and employer contributions.
    Does not have the start-up or operational costs like other conventional plan types.

Are you ready to find out how we can help your business?

Thank you!