Retirement Planning

401(k) / Profit Sharing Plans

We design retirement plans tailored to your business demographics, from start-ups to established practices. Our services include plan setup, enrollment, employee education, and asset management. Educational seminars are also available.

Defined Benefit & Cash Balance Plans

These plans allow for higher tax-deductible contributions by focusing on a target retirement benefit. We assist with plan design, enrollment, education, and asset management.

IRAs (SIMPLE, SEP, Traditional, Roth)

SEP and SIMPLE IRAs offer simplified administration for employers. We also support tax-deferred rollovers from other qualified plans, offering greater investment flexibility.

Backdoor Roth IRAs

A popular strategy among physicians, this allows annual contributions (currently $7,000 under age 50, $8,000 over 50) to a non-deductible IRA, which are then converted to a Roth IRA—providing more control over future tax brackets.

Non-Qualified Retirement Supplement Plans

Available to all income levels, these plans use variable life insurance to provide tax-free retirement withdrawals or death benefits, with investment options tied to market performance.

Physicians Life Income Plan

A specialized supplemental retirement plan for physicians, offering high cash values, unlimited premium contributions, market-based investments, and tax-free withdrawals to manage retirement tax exposure.