Business Retirement Plan Services for New England Business Owners

Offering a competitive retirement plan today is more than just an employee benefit—it’s a powerful strategic tool. The right plan can help you attract and keep top talent, reduce turnover costs, and provide substantial tax advantages for your business. For many owners, it’s also one of the most effective ways to build personal retirement savings on a tax-advantaged basis.

At In The Money Retirement Planning, we design, implement, and manage business retirement plans with a dual focus: helping your employees prepare for their futures while ensuring your plan supports your own long-term financial security. We work with business owners throughout New England to create solutions that fit their company size, goals, and workforce.

Why Offer a Business Retirement Plan?

A well-designed retirement plan is more than an expense—it’s an investment in your business and your future.

Benefits for Your Business & Team

Attract & Retain Talent – A competitive plan signals that you value your team and their long-term success, boosting morale and loyalty.
Tax Advantages – Company contributions (matching or profit sharing) are generally tax-deductible, and plan setup/administration costs can also reduce taxable income.

Benefits for You as the Owner

Accelerated Retirement Savings – Business retirement plans allow far higher contribution limits than personal IRAs, helping you build wealth faster. Profit sharing and cash balance plan designs can push these limits even higher.
Tax-Deferred Growth – Your contributions grow without annual taxation, allowing compounding to work harder for you. Many plans also offer Roth options for tax-free withdrawals in retirement.
Alignment with Your Personal Plan – Your business plan can be fully integrated into your broader financial strategy to help you reach personal and retirement goals.

Our Fiduciary Advantage

As an independent fiduciary advisor, our only obligation is to act in the best interests of your plan and its participants. That means:

Objective, Commission-Free Guidance – We don’t accept commissions, revenue sharing, or other incentives from fund providers.
Experience with Owner-Focused Plans – We understand how to design plans that serve employees while maximizing owner benefits.
Integrated Financial Perspective – We view your business retirement plan as part of your overall wealth plan—not a stand-alone benefit.
Prudent Investment Oversight – We establish and monitor a cost-effective investment lineup that meets fiduciary standards.

Types of Plans We Advise On

We help New England business owners choose and optimize the plan structure that best fits their objectives:

401(k) Plans – Flexible designs with Safe Harbor and Roth options to maximize contributions for owners and key employees.
SEP IRA – Low-cost, simple option for small businesses or self-employed owners seeking high contribution limits.
SIMPLE IRA – Streamlined plan for companies with fewer than 100 employees.

Our Process for Business Retirement Plans

1. Discovery & Assessment – We analyze your business goals, employee demographics, and current plan (if any).
2. Plan Design & Vendor Coordination – We recommend structures and providers that align with your objectives.
3. Implementation Support – We coordinate with TPAs, recordkeepers, and payroll providers for a smooth launch.
4. Investment Menu Setup – We establish a diversified, cost-conscious investment lineup with clear monitoring procedures.
5. Ongoing Review & Fiduciary Support – We monitor investments, review plan performance, and recommend adjustments as needs evolve.

Plan Smarter for Your Business and Your Future

The right retirement plan can strengthen your business, reward your employees, and fast-track your own retirement goals. But designing and managing it takes expertise and a fiduciary mindset.

In The Money Retirement Planning partners with New England business owners to ensure your plan is built for both today’s workforce and tomorrow’s financial security.

📞 Schedule a confidential consultation today to explore your options and see how we can help you make your business retirement plan a powerful strategic asset.

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