401k Retirement Plans

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401k Retirement Plans

Welcome to our company, where we provide 401k retirement plans to help you secure a comfortable and stress-free retirement. Our team of experts is committed to providing you with the best financial advice and investment options to meet your unique needs.

Our 401k retirement plans are designed to help you save for retirement with ease. We understand that planning for retirement can be daunting, which is why we provide easy-to-understand information and guidance to help you make informed decisions about your future.

Custom-built 401(k) and pension plans provide business owners with significant tax deductions, surpassing the benefits offered by the market’s standardized plans. It’s crucial to tailor your retirement plan to your specific demographic and tax strategy, and adjust it accordingly as your business evolves.

Thanks to the 2019 SECURE Act, as of 2021, businesses can take advantage of Pooled Employer 401(k) Plans, which offer the same benefits as Multiple Employer Plans, including cost savings and administrative efficiency.

We bring together decades of academic plan design expertise and low-cost investment options, all packaged with modern technology, unbiased guidance, and administrative responsibility. Our 401(k) platform stands out amidst an overpriced and commission-driven market, overloaded with call-centers and commoditized plans.

Introducing the Future of 401(k) Plans

401(k) and pension services for small businesses have become standardized, with providers offering similar plans and frustrating call-center support. Hidden fees, suboptimal tax benefits, administrative burdens for HR teams, and fiduciary liability for plan sponsors are common challenges. However, recent changes in pension law have paved the way for Pooled Employer Plans (PEPs), addressing these shortcomings. With our Pooled Employer Plan at ________, we can now provide better support for YOUR company’s 401(k) plan.

A Cost-Effective and Secure Solution

By participating in a Pooled Employer Plan, businesses can join forces to reduce costs and minimize legal liability. PEP providers, designated as fiduciaries under ERISA as 3(38) and 3(16), assume responsibility for investment decisions and compliance, relieving business owners of these critical tasks.

Enhance Your 401(k) Experience with SMAART Company’s PEP

By choosing to enroll in our  Pooled Employer Plan, you gain access to improved services, cost savings, and reduced liability. We offer expert assistance to address your concerns, fill in any knowledge gaps, and make your life easier. Our concierge service is tailored to your needs, ensuring a personalized experience.

Simple Onboarding Process

Bid farewell to generic plans, expensive investments, DIY approaches, and call-center frustrations. Say hello to your personal 401(k) concierge. As your §3(38) Investment Fiduciary, we will work with you to design custom plans that are cost-effective and tax-efficient for owners. We take care of selecting plan investments and limiting your liability. Additionally, we offer four Modeled Investment Portfolios to choose from: Conservative, Balanced, Growth, and All-Equity Growth.

Administrative Compliance Made Easy

As your §3(16) Fiduciary Administrator, we handle various administrative tasks and mitigate your liability. This includes providing necessary notices and disclosures to plan participants, completing and submitting Form 5500 on your behalf, signing plan amendments, managing payroll data, and communicating eligibility and enrollment to participants. We also facilitate distributions, loans, and QDROs.

Employee Enrollment and Education

Our digital and interactive enrollment platform is accessible anytime, anywhere, from any device. Participants can answer questions and receive guidance on suitable investments. Alternatively, they can work one-on-one with a plan adviser to create a customized portfolio from our Fiduciary lineup. We offer unlimited phone access to an adviser at no additional cost.

User-Friendly Portals, Customized Reporting, and Integrated Payroll

Our cutting-edge Record Keeping and Enrollment platforms provide easy-to-use tools for both plan sponsors and participants, accessible via phone, tablet, or desktop. Plan sponsors can customize reports and gain valuable insights. Additionally, we can integrate your 401(k) payroll process with your existing payroll platform, eliminating the need for manual data transfers.

Simplified 401(k) Enrollment

Whether you’re starting a new plan or transferring an existing one, our dedicated consultant will guide you through the entire onboarding process. We handle the heavy lifting, including establishing plan documents, coordinating with prior providers for asset transfers, and launching the enrollment campaign. We manage the conversion process and communicate with your employees, keeping them informed through email and paper mailings. Your involvement is minimal—just sign a few web-based forms, and we’ll take care of the rest!

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