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Clear Financial Strategies
Independent · Fee-Only · Fiduciary
Plan design and compliance

Plan design that fits your people, and compliance that holds up

A plan has to meet your goals for your people and pass the rules that apply to it. We help you see both.

Topics

What we walk through

  • Annual testing, and what a failure means
  • Employee deposits that have to reach the plan on time
  • The fidelity bond ERISA requires
  • The Form 5500 filing
  • Plan features that match how your workforce actually saves
Cash balance plans

Saving beyond the 401(k) limits

For owners and partners who want to save beyond the 401(k) limits, a cash balance plan is one way to do it. It is a defined benefit plan that needs an actuary and has its own funding rules. We coordinate with actuaries.

Educational only. Not legal advice. Consult your ERISA counsel.

Ready to talk?

A no-obligation conversation about your plan. We will listen first.

Get the ERISA Employer Report CardRequest a plan review