Defined Contribution Plans in Phoenix, AZ

Fiduciary Advisors, Ltd is proud to provide our clients around the country a variety of Defined Contribution plans from our offices in Phoenix, AZ. For over 30 years, we’ve helped businesses select the right plans for them and for their employees.

Defined Contribution Plans for Your Business

With defined contribution plans, the burden of saving and investing for retirement rests with your employees—it’s an attractive solution that saves you time and money. We’ll work with you to develop a plan that suits the needs of both you and your employees. We have expertise in administrating the following popular plans:

  • Profit-Sharing:
    This is generally the most flexible qualified plan you can offer. As a business owner, you’re able to make contributions on a discretionary basis.
  • Cross-Tested Profit Sharing:
    These plans are an attractive option, allowing business owners to allocate a higher contribution rate to one employee or employee group over another, while still providing the required benefits to the entirety of your team. This is ideal if you want to reward different groups of employees with different benefits.
  • Exe(k)utive Plan:
    We have developed our own twist on the SoloK, or Owner Only 401(k). This option is for an Owner-only company (or owner/spouse). Certain administrative shortcuts may be available to an owner-only Exe(k)utive Plan that can keep administrative costs at a minimum. Get the same power and flexibility of a fully designed 401(k) but at the fraction of the cost. See if your small business qualifies.
  • 401(k) Plan:
    This is the most popular type of plan available today. Whether or not you match contributions, employees can still benefit via salary deferral and catch-up opportunities.
  • Safe Harbor 401:
    A Safe Harbor option includes minimum employer contribution to automatically satisfy pesky discrimination testing requirements of a 401(k). It has proven ideal for many of our small businesses clients around the country as we operate from our offices in Phoenix, AZ.
  • 403(b) Plan:
    Also known as a tax-sheltered annuity plan, this option is attractive for non-profit organizations.
  • 457 Plan:
    This is essentially the 401(k) equivalent available to employees of state and local government, government agencies, as well as some tax-exempt 501(c) organizations.
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Giving Your Employees Control While Reducing Your Expenses

Defined Contribution plans are less expensive and less complex to manage than their Defined Benefit counterpart. All plans have their pros & cons to solve certain problems. We know how to make the process quick and easy, to help you and your employees capitalize on those choices. Call us today at 602-864-1012 to discover the benefits of these flexible plans.

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