Retirement Plan Solutions

Yesterday's penny is today's dollar and tomorrow's one hundred dollar bill - with adequate savings and the right investment choices. That makes retirement plans an important benefit to your employees.

In today's uncertain economy, employees realize Social Security will not be enough. As a result, more and more employees focus on the retirement benefits provided by their employer. They also realize that they, too, will have to pitch in for their own retirement security.

Providing retirement plans for your employees brings tangible and intangible benefits. Your company receives tax savings and your employees have a sense of comfort about their future.

The question is where to turn for knowledgeable, professional assistance in designing and administering a cost-effective retirement plan. The answer is Swerdlin & Company. Whether you need a fully managed retirement plan package, annual compliance filings, or actuarial consulting, we can help you shape your retirement world.

Retirement plans come in different shapes and sizes. Let Swerdlin & Company help shape yours.

Defined Contribution Plans

For flexibility and choices in your plan design, you may consider a defined contribution plan. Defined contribution plans can be funded by your company, partially funded by your employees, or a combination of both. There are various options from which you can choose in designing a defined contribution plan to meet your company objectives, including company stock as an option.

• 401(k)
• 403(b)
• Age-Weighted
• Cross-Tested (New Comparability)
• ESOP
• Profit Sharing
• Money Purchase
• Target Benefit
• Thrift

Defined Benefit Plans

For a retirement plan that provides a fixed benefit at retirement, you may consider a defined benefit pension plan. Unlike a defined contribution plan, a defined benefit plan is funded entirely by your company. It guarantees your employees a benefit at retirement based on plan design options you determine when initially setting up the plan.

Nonqualified Plans

If you're looking for a plan that offers higher limits and greater flexibility than a defined benefit or defined contribution plan, you may consider a nonqualified plan. A nonqualified plan operates similarly to a qualified plan, but on the upside, it isn't restricted to the rules and requirements of qualified plans. On the downside, however, nonqualified plans lose some of the benefits offered to qualified plans, such as tax deductible contributions.

• Supplemental Executive Retirement (SERP)
• Top Hat
• Excess Benefit
• 457

Retirement Plan Design, Consulting and Administrative Services

• Plan development/design
• Plan takeover/redesign
• Plan installation
• Plan termination
• Actuarial services
• Benefit Studies and Comparisons
• IRS/DOL Audits
• Compliance Audits
• Due Diligence in Mergers and Acquisitions
• Plan Corrections through IRS and DOL Programs

Retirement Plan Administration and Recordkeeping Services

• Any type of retirement plan on any time schedule (daily, quarterly, annually, etc.)
• Allocation and valuation reports
• Communication tools for participants (enrollment packets, statements, SARs, etc.)*
• Government filings
• Participant accounts accessible through the Internet, Voice Response Unit, and live Call Center*
• Benefit certifications, distributions, loans, QDROs
• Compliance testing

* Spanish available