A 401(k) where employees talk to a real financial planner
Every employee can sit down with a CFP® who looks at their whole financial picture, not just which fund to pick. One team handles payroll, compliance, and the questions employees would otherwise take to HR. Fees are itemized, with no revenue sharing.
Two Problems We Solve
Most small-business 401(k) plans create both. We’re built to fix both.
Most plans come with a website and an 800 number. Employees don’t call and don’t log in. When a real question finally comes up, they take it to HR, who can’t really answer it. The benefit exists, but it isn’t doing much.
Contributions that don’t match. Payroll feeds that break. Multiple vendors pointing at each other. These problems land on someone’s desk, usually without warning, and usually at the worst time.
Built for New Jersey Small and Mid-Sized Businesses
From our office in Kingston, we work with small and mid-sized New Jersey companies whose owners want a retirement benefit their employees will actually use, without taking on a second job to run it.
Because we’re a small team that does the work ourselves, every employee can get real time with a planner instead of a hold queue, and you get one person who knows your plan. A local firm a short drive away, run by people who answer their own phones.
Better for Employees. Less Work for You.
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A real CFP, not a call center
Every employee can schedule time with a CFP® who reviews their whole financial picture, not just which fund to pick.
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Time with someone who knows their situation
Scheduled appointments with a planner who has their full picture in front of them, and answers follow-up questions directly.
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A written plan, in plain language
They leave each meeting with a written action list they can actually use, not a login and a glossary.
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Questions go to us, not HR
Employees stop bringing retirement questions to HR because they have someone better to ask.
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One number, one accountable team
A single contact for payroll coordination, compliance, and employee questions. One call reaches someone who knows your plan and can act on it.
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Problems caught before they reach you
We connect to your payroll system and reconcile every pay run against custodian records, flagging exceptions before they become your problem.
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Reporting without the chase
Quarterly reporting that shows what happened and what’s coming, without you having to follow up with anyone.
How We Set Up Your Plan
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1
Initial conversation
We learn how your company works and what isn’t working with your current plan. You get a proposal with itemized pricing and no hidden fees.
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2
Plan setup and payroll connection
We prepare the plan documents, connect to your payroll system, and test the contribution flow before anything goes live. You review and approve each step.
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3
Employee enrollment
Employees schedule time with a CFP® who reviews their situation and gives them a written action plan. That access continues after enrollment.
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4
Ongoing administration
We handle compliance testing, required filings, and participant notices, and send regular updates on what’s done and what’s scheduled next.
Find Out What You’re Actually Paying
The pitch isn’t that we’re cheaper. It’s that there’s nothing to hide. Send us your current fee disclosure and we’ll show you a line-by-line comparison: what you pay now, what you’d pay with us, and where the difference sits.
No revenue sharing. No fees buried in the fund lineup. Every cost itemized before you decide. If switching doesn’t make sense, we’ll tell you.
Common Questions
See How Your Current Plan Compares
In a 15-minute call we’ll review how your plan is structured, what’s working, and what a transition would involve. If it’s worth continuing, we’ll put together a fee comparison you can review on your own time.