Retirement Plan Analysis

You have consistently been contributing to qualified retirement programs like 401k, profit sharing, Simple IRA, or SEP plans over your career. You likely have accumulated significant retirement assets that are available for you as you contemplate retirement.

What is the best way to access these funds and utilize multiple sources of potential income by coordinating and consolidating an effective comprehensive retirement plan?

As an employer, professional or small business owner you hope your business or practice will be your retirement.  It takes comprehensive retirement planning to place all the pieces of your retirement puzzle together to create a clear picture as you approach retirement.

We will review your plan for you to make sure your investment lineup is appropriate.  The fees you pay are reasonable.  It is essential that you understand the cost of your plan for you as the employer or as a participant.  Transparency concerning fees your plan incurs is as important as knowing that your advisor is a fiduciary and is working in your best interest.

A retirement plan can be designed as a defined contribution, defined benefit or a “hybrid” Cash Balance Plan.  What plan is best for you requires comprehensive analysis.  FBS, Inc. has been working with employer benefits since 1986 which helps us understand the issues you most likely face.

Building retirement savings and lowering current taxes through tax-advantaged strategies can be accomplished utilizing an effective plan design.  We like to take a proactive, tax advantaged assessment as we review plans for our small business owners and professionals we serve.