Choosing a retirement plan is one of the most impactful decisions a business owner can make—for both the future of the business and the financial well-being of employees. At Fiduciary Advisors, LTD., we understand the intricacies and obligations that come with business retirement solutions. Based in Phoenix, AZ since 1990, we specialize in retirement plan consulting for small- to medium-sized businesses. As a business-to-business pension administrator, we work closely with our clients to ensure that each plan we design is tailored to company size, employee needs, and long-term business goals. Our experience in developing comprehensive, compliant retirement plans has helped business owners throughout Phoenix make confident decisions that benefit their teams and their bottom line.
Tailoring Plans to Fit Your Business Needs
Every business is unique—whether in industry, structure, growth stage, or workforce demographics. That’s why a one-size-fits-all approach doesn’t work when choosing a retirement plan. At Fiduciary Advisors, LTD., our process begins with an in-depth consultation to learn about your company’s specific circumstances. Are you a family-owned business looking to reward long-time employees? A growing tech startup aiming to attract top talent? A professional services firm with a multi-generational staff? We take all of this into account.
We help business owners understand how different plans can serve different strategic objectives. For example, a cash balance plan may be ideal for a highly profitable company with older, high-earning owners who want to accelerate savings. Meanwhile, a Safe Harbor 401(k) could work better for a business that wants to simplify compliance and automatically pass IRS testing. By aligning retirement plan structure with business goals—such as employee retention, tax efficiency, or succession planning—we ensure that each client receives the most appropriate solution for their needs. Our personalized approach to retirement plan consulting in Phoenix reflects our belief that a successful retirement program must integrate seamlessly with a company’s culture and financial strategy.
Exploring Plan Options: From 401(k)s to Defined Benefit Plans
Understanding the landscape of available retirement plans is essential for making an informed decision. At Fiduciary Advisors, LTD., we walk our clients through each option with clarity and purpose. The most commonly selected plan among our clients is the 401(k)—a flexible, tax-advantaged savings vehicle that allows employees to contribute a portion of their wages toward retirement. Many employers enhance these plans with matching contributions, and we help design those features to be competitive yet cost-effective.
For businesses interested in further boosting employee benefits or offering rewards based on company profitability, we also administer profit-sharing plans. These give employers the discretion to contribute funds annually based on earnings, aligning employees’ retirement outcomes with business performance.
Another powerful tool we often recommend is the defined benefit plan, commonly referred to as a pension plan. Unlike 401(k)s, these plans guarantee a specific retirement benefit based on salary and years of service. They are especially attractive for business owners nearing retirement who want to contribute significantly more than what a 401(k) allows. Defined benefit plans also include cash balance plans, which combine the high contribution limits of pensions with the simplicity and portability of defined contribution plans.
Each type of plan has its own compliance standards, contribution limits, and administrative requirements. Our role is to demystify the details, ensure legal compliance, and customize your plan to meet your long-term objectives. With our depth of expertise, you’ll be able to confidently select a plan that supports both your employees’ financial futures and your company’s operational goals.
Why Personalized Guidance Matters in Plan Design
Retirement plans are more than just a benefit—they’re a legal and financial commitment. That’s why personalized advice is at the core of everything we do at Fiduciary Advisors, LTD. It’s not enough to simply choose a plan off the shelf. Without expert consultation, employers can easily overlook critical issues like nondiscrimination testing, IRS contribution limits, or evolving compliance regulations.
We provide direct, consultative support throughout the entire process. From the first discovery meeting to plan selection, setup, and ongoing administration, we’re with you every step of the way. As a third-party administrator (TPA), we handle complex actuarial calculations, prepare plan documents, perform annual testing, and facilitate employee enrollment meetings. This ensures that your retirement program remains compliant and effective year after year.
Additionally, we offer cash balance plan design and detailed financial consultation services to help optimize retirement funding strategies. We help business owners take full advantage of available tax deductions while ensuring that their employees enjoy the benefits of a well-managed retirement plan. Because each business we serve is unique, our services are never cookie-cutter. Instead, they’re built around a deep understanding of your workforce, financial goals, and long-term vision.
Serving Phoenix’s Business Community with Integrity and Experience
Fiduciary Advisors, LTD. has been proud to serve Phoenix, AZ, for over three decades. Our clients span a variety of industries including law firms, medical practices, engineering firms, family businesses, and local retailers. What unites them is their desire to offer meaningful, compliant, and financially responsible retirement benefits. As a local firm, we bring a deep understanding of the Phoenix business environment, and our proximity allows us to form lasting partnerships with clients in the region.
We take our fiduciary duty seriously—meaning we put our clients’ interests first, always. We’ve built a reputation on trust, technical excellence, and responsive service. Our goal is to simplify the process of choosing a retirement plan so that our clients can focus on running their businesses while feeling confident that their employee benefits are in good hands. Whether you’re establishing your first 401(k) or reevaluating your existing plan, we’re here to provide guidance grounded in decades of experience.
We also host in-person and virtual enrollment meetings to educate employees about their options and ensure that everyone in the organization understands how to make the most of their benefits. This education-focused approach increases participation rates and empowers employees to take ownership of their retirement futures—making the plan more effective for all stakeholders.
Building a Better Future for Your Business and Your Team
Retirement planning doesn’t have to be overwhelming. With the right advisor, it becomes a strategic advantage. At Fiduciary Advisors, LTD., we specialize in helping small- to medium-sized businesses make smart, compliant, and customized decisions when choosing a retirement plan. Whether you’re looking to attract and retain top talent, reduce your tax burden, or secure your own retirement as a business owner, we can help design a solution that works for you.
Choosing a retirement plan is not just about checking a box—it’s about building a stable, rewarding future for your business and everyone who makes it successful. Our hands-on, consultative approach ensures that you’re not only compliant with federal regulations, but also taking full advantage of the opportunities available to you.
Need Pension Consulting & Pension Plans in Phoenix, AZ?
Fiduciary Advisors, Ltd. is a business-to-business associated pension administrator based in Phoenix, Arizona, since 1990. We specialize in designing and planning employee retirement programs, pensions, profit sharing, and are third-party administrators for 401K for small- to medium-size businesses. We conduct enrollment meetings, prepare detailed actuarial calculations, cash-balance plans, and financial consultation for all businesses. Give us a call today for more information!