Plan Design

At Goldberg, Swedelson and Associates, we understand that one size does not fit all when it comes to retirement planning. That’s why we offer a diverse range of retirement plans, each designed to meet different business needs and objectives. Explore our variety of plan options to find the perfect fit for your company.

Plan Types

Profit Sharing Plans

A flexible option for businesses that want to offer a benefit directly tied to the company's profitability. Contributions are made solely by the employer and can vary each year, offering a way to reward employees during more successful fiscal periods.

Profit Sharing
401(k) Plans

Combine the benefits of a traditional 401(k) with the advantages of a profit-sharing plan. This plan allows employees to contribute pre-tax income while employers can add a discretionary profit-sharing component, enhancing the overall retirement benefit.

Profit Sharing 401(k) Plans with Safe Harbor Features

These plans include features that automatically satisfy certain IRS non-discrimination tests, allowing highly compensated employees to maximize their contributions without limitations. Safe Harbor Plans are particularly beneficial in ensuring broad participation by employees at all compensation levels.

Cash Balance Plans

A type of defined benefit plan that appears similar to a defined contribution plan. Cash balance plans are excellent for businesses that wish to accelerate retirement savings for owners and key employees. They can be used alone or combined with other retirement plans.

Combo Plans

For businesses looking to maximize contributions for owners and key employees, combo plans combine the benefits of a defined contribution plan with a cash balance plan. This combination allows higher contribution limits and increased tax savings.

Owner Only Plans

Ideal for sole proprietors or owner-only businesses, these plans are designed to maximize retirement savings with minimal costs and administrative requirements. Owner only plans allow significant tax savings, providing a straightforward path to a secure retirement.

Contact us for a consultation

Each of these plans can be customized to the specific needs of your business. Contact us to discuss which plan could best serve your business and how we can help design your optimal retirement strategy.

(818) 501-2900

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