Retirement plans your employees will actually use
401(k), SEP, and SIMPLE plans for small and mid-sized New Jersey companies. Fee-only, with a CFP® every employee can sit down with, and one team that handles payroll, compliance, and the questions that would otherwise land on your desk.
One Firm Behind Every Plan
Whichever plan fits, the firm behind it is the same. BAM is a fee-only, employee-owned investment adviser, founded in Princeton in 1998 and run by a small team in Kingston that does the work itself.
Every employee can sit down with a CFP® who looks at their whole financial picture, not just which fund to pick. And you get one person who knows your plan, instead of a routing menu and three vendors pointing at each other.
Three Plans. Pick the One That Fits.
A quick orientation. The detail pages go deeper, or we’ll walk you through it on a call.
- Employee deferrals plus an optional employer match
- A CFP® for every employee, not a call center
- Annual testing and filings, which we handle
- Employer-funded only, no employee deferrals
- No annual IRS filing
- Flexible from one year to the next
- For businesses with 100 or fewer employees
- Employee deferrals with a required employer contribution
- No annual filing or nondiscrimination testing
How We Set You Up
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1
Discovery call
We learn how your business runs, what you want the plan to do, and what isn’t working with your current one if you have it.
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2
Plan design and setup
We help you choose the right plan, then handle the documents, the custodian, and the payroll connection. You review and approve each step.
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3
Ongoing support
Employees get direct access to a CFP®. You get one team that keeps testing, filings, and reconciliation on schedule, and tells you what’s done and what’s next.
Held at Schwab. Connected to Your Payroll.
Plan assets are custodied at Charles Schwab. Contributions connect through ADP or Paychex and reconcile against custodian records each pay run. You deal with one team at BAM, and the platforms run quietly underneath.
Charles Schwab, ADP, and Paychex are not affiliated with Byrne Asset Management. No endorsement is implied.
Not Sure Which Plan Fits?
That’s the most common reason businesses call. We’ll walk through the options, explain the tradeoffs, and tell you which plan fits your team and budget. If your current plan is already working, we’ll say that too.