Tax-Qualified Retirement Plans

C&A Wealth Management

C & A Wealth Management

At C & A Wealth Management, we understand the importance of providing retirement benefits to your employees while maximizing tax advantages for your business. Our tax-qualified retirement plans are designed to help you create robust retirement savings options that align with your company’s goals and meet regulatory requirements. Whether you have a small business or a large corporation, our professionals will work closely with you to design and implement retirement plans that work toward securing the financial future of your employees.

401(k) Plans

401(k) plans are one of the most popular retirement savings options for employees. We can assist you in setting up and managing a 401(k) plan that allows your employees to contribute a portion of their salary on a pre-tax basis. Additionally, you may choose to match a percentage of your employees’ contributions as an added benefit. Our team will guide you through plan design, investment selection, and compliance to ensure your 401(k) plan meets the needs of your employees and your business.

profit sharing

Profit Sharing Plans

Profit-sharing plans provide a flexible and rewarding way to share company profits with your employees. Our team will help you establish a profit-sharing plan that allows you to allocate a portion of your business’s profits to eligible employees’ retirement accounts. The contributions can be discretionary, based on the company’s financial performance. By implementing a profit sharing plan, you can motivate and reward your employees while enjoying tax advantages for your business.

Money Purchase Plans

Money purchase plans provide a fixed percentage contribution to eligible employees’ retirement accounts. Our team will work closely with you to design a money purchase plan that meets your company’s retirement objectives. Contributions are mandatory and based on a predetermined formula, ensuring consistent retirement savings for your employees. We will guide you through the implementation and administration of the plan, ensuring compliance with tax and regulatory requirements.

money purchase plan

Age-Weighted Plans

Age-weighted plans are retirement savings options that take into account the age and income levels of employees. Our team will evaluate your workforce demographics and design an age-weighted plan that allows for higher contribution limits for older employees. This approach benefits both older employees who have fewer working years left and younger employees who have more time to accumulate retirement savings. By offering age-weighted plans, you can tailor retirement benefits to individual needs and foster a sense of financial security among your employees.

Defined Benefit Plans

Defined benefit plans, also known as pension plans, provide employees with a fixed retirement income based on a formula that considers factors such as salary and years of service. We can assist you in implementing a defined benefit plan that guarantees retirement income for your employees. Our team will handle the actuarial calculations, plan design, and ongoing administration to ensure the plan remains compliant and adequately funded.

Defined benefit plans may be appropriate for businesses with consistent revenues for long-term funding where owners are older and earn more than the average employee.  These types of plans have additional costs and generally involve engagement of an actuarial firm for plan administration.


Simplified Employee Pensions (SEPs)

Simplified Employee Pensions (SEPs) offer a straightforward and cost-effective retirement savings option for small businesses and self-employed individuals. Our team will help you establish a SEP plan that allows you to contribute to your employees’ retirement accounts or your own if you’re self-employed. SEPs provide flexibility in terms of contributions, making them an attractive choice for businesses with fluctuating profits.


SIMPLE (Savings Incentive Match Plan for Employees) IRA plans are designed for small businesses with fewer than 100 employees. We can assist you in setting up a SIMPLE IRA plan that allows both you and your employees to make contributions toward retirement savings. 
With a SIMPLE IRA plan, employees can contribute a portion of their salary on a pre-tax basis, while employers have the option to match a percentage of their employee’s contributions. Our team will guide you through the setup process and provide ongoing support to ensure compliance and maximize the benefits of the plan.
At C & A Wealth Management, we specialize in helping businesses implement tax-qualified retirement plans that provide meaningful benefits to employees while offering tax advantages for the company. Our experienced professionals will work closely with you to understand your business objectives, customize the plan design, and handle all aspects of plan administration.

Schedule a Consultation Today!

With C & A Wealth Management, you can rest assured that your wealth planning needs are in capable hands. Our commitment to personalized service, comprehensive strategies, and ongoing support sets us apart as a collaborative partner on your journey as you work toward financial success. Contact us today to start building a solid foundation for your future wealth.

This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material.