Running your business and a 401(k) Plan can be stressful. When clients hire our team they know they can relax—their retirement plan is handled. We help our clients find opportunities to reduce fees, save more money and ensure their retirement plan is a valuable recruiting and retention tool.
Our team specializes in helping clients run great 401(k), 403(b) and Cash Balance Plans. We know unique companies require unique solutions. We’ll help you take your retirement plan to the next level.
Not all retirement plans are created equally—nor should they be. Plancorp’s Retirement Plan Advisors are committed to creating a customized solution tailored to your business.
We partner with you from day one to help you meet your fiduciary responsibilities at every stage of the process.
Our advisors work with you to determine your primary needs and objectives, so we can help develop the best solution for you and your employees.
We have the experience and expertise necessary to help you manage the liability that comes with a corporate retirement plan and help you work toward successful outcomes.Schedule a Consultation
Do you know much you pay for your current plan? Are there any testing issues? Are there opportunities to improve your plan from an employee’s perspective? We’ll work together to uncover gaps.
Our advisors will design a custom plan for your business. We will reduce the workload for your HR & Finance team, simplify your fees, and help ensure you have a process to meet your required fiduciary duties. And we will always look for ways to help business owners save more.
A plan is only as good as it’s execution. Our team is built to provide 1-on-1 service to help employees understand their retirement plan. Our process ensures we are always on the same page as our clients and their retirement plan is helping the business accomplish its’ goals.
There are numerous examples of employer-sponsored plans, such as 401(k)s, defined benefit pension plans, Roth 401(k)s, 403(b)s, Simplified Employee Pension Plans, and Savings Incentive Match Plan for Employees.
Plancorp’s team is experienced, independent, and free from conflict. That means we can present an unbiased, transparent opinion that’s focused solely on ensuring your success.
ERISA Section 3(38) Investment Manager is an investment advisor who assumes sole fiduciary liability for investment selection and investment monitoring.
There are four fees included in retirement plans, and we'll scrutinize each to ensure you’re competitive. They include investment fees, advisor fees, recordkeeper fees, and third party administrator fees.
Our evidence-based investing approach is built on decades of academic research. We believe that a well-grounded, disciplined investment philosophy can reduce the angst of market volatility and help avoid fees that chip away at market performance.
We are only compensated from the fees our clients pay us -- not from the products or services we recommend. This allows us to remain objective.
Our professional team can guide you on other important financial strategies like wealth management, philanthropy, and charitable giving, institutional asset management, exit strategy, and more. For more information, click here.
Cash balance plans are a type of defined benefit plan in which the company makes contributions on behalf of all participants.
What sets these plans apart is they offer much higher contribution limits than a 401(k)—especially for older participants, who can contribute more than $200,000 a year after age 55—and provide a guaranteed retirement benefit.
A participant’s contributions also grow tax-deferred at a set interest rate, typically 4% to 5%, rather than based on investment performance.
If you're curious if a cash balance plan is right for your business, review this helpful article.
Plancorp’s team of retirement plan advisors have decades of experience that have solidified their understanding of corporate retirement planning and the importance of plan design. Our advisors are patient, friendly, and committed to helping companies empower their employees when it comes to their retirement planning.
As a top financial advisory firm in St. Louis, we’ve been established in local circles and national news outlets as industry thought leaders. Browse our featured resources to learn more about our approach to corporate retirement plans.
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