401(K) Services
401(K) Services
Alpha Pointe Capital offers and array of retirement planning accounts for various corporate structures. Smaller businesses with fewer employees, or sole proprietorship will require a different plan compared to larger corporations with large employee bases. In addition, there are provisions of the tax code that may allow highly compensated employees to set aside more funds pre-tax using insurance funded plans. All firms must be in compliance with federal ERISA regulations concerning deposit limits, withdrawal provisions, vesting schedules, and safe harbor employer matching contributions. Let Alpha Pointe Capital’s experts consult with you on starting a plan for your business. If you have an existing plan, we will analyze your fee structure and compliance with Department of Labor Fiduciary Standard rules.
Most State Mandated Plans vs. Alpha Pointe Capital 401(k) services
We support retirement and retirement plans, wholeheartedly. We’ve dedicated our lives to helping business support their employees with retirement plans like 401(k). However, some State-Mandated Retirement Plans fall short of their intended purpose.
Why should you care?
The State
- Possible Fines
- Owners and Highly Compensated Employees can't participate
- Limited benefits & credits
- Low Savings
- Limited Investments
- No Customization
- Limited/No Tax
- Deferred Options
- Limited /No Professional Guidance
The APC
- Avoid State Fines for No Plan
- Design options for Highly Compensated/Ownership
- May receive start up plan tax credits
- "Save up to $30,000/year (2023 max 401k $22,500 plus $7,500)"
- Substantial access to investment managers
- Full Customization including Profit Sharing and other matching
- Full tax advantages for company and owners
- Tax Deferred Available, Roth 401(k), or both
- Access to licensed financial advisors
How We Support You
- Explore taxes benefits for you and your company
- Maximize your savings
- Organize consultations with best-in-class 401(K) providers
- Provide affordable solo 401(K) options
- Offer safe harbor match plans
- Provide brokerage options
- Offer start-up plans
- and more...
1 in 3 employees uses 46% of their workday stressing over personal financial issues*
We understand the opportunities many Emerging Industry companies face and the difficulties in finding trusted partners to help their business grow. The ability to plan for the future is important and we believe everyone deserves to be on the right path to financial freedom. These core beliefs are why we created 401(k) solutions to help all Emerging Industry companies establish compliant 401(k) plans backed by trusted providers dedicated to the industry.
When your employees are stressed, they are less efficient, make more mistakes, and may be more prone to illness. You have the opportunity to offer them a valuable tool that could help decrease their financial stress and increase their financial stress and increase their overall financial wellness.
For companies from emerging, fast-paced industries, it can be a challenge to provide the retirement program that you want, especially if some providers don’t even offer you the option. We help mitigate these hurdles by facilitating conversations with the right industry professionals and educating you about your options.
*Employee Wellness Survey, PWC 2017
Benchmark Your Plan
How does your company’s retirement plan stack up among other plans of the size and within the same industry?
We help you assess and evaluate your business’s plan to see how it compares to others. Then, we help you address potential issues so that you know what your retirement plan needs to be more competitive in the job market.
Ready to get started on your evaluation? Schedule a time to talk HERE
Retirement plans for any size business have become an increasingly complex subject for business HR managers. Let Alpha Pointe Capital be your adviser in this complex investment space. Everyone at your firm will benefit from a properly designed, implemented, and monitored plan. Contact us today to review your needs in this area.
