Medium Business Retirement



Employer-sponsored retirement plans can be a great tool to help retain key employees.  At Capital Management Advisors can help you in setting up a retirement plan for your small business.  We will assist you in selecting the best plan for your business from several types of plans.

401(k) Plan

If you have more than 20 employees a full 401(k) plan may be the best option for you.  These plans are complex and require a third party administrator.  We have teamed with Fidelity to provide our clients with 401(k) plans, however, if you want to use another third party administrator, we can assist you in finding one.

Working with CMA, you may experience such benefits as:

  • Reduced management fees
  • Reduced administrative costs
  • Reduced expenses for outside services
  • Fee-only service with full transparency versus commission based services
  • No loads, No 12b-1 charges, and No sales charges on mutual fund investments
  • Increased investment options with access to more than 18,000 investment options in more than 50 mutual fund families
  • Daily reallocation of investments
  • Money Market investment option, a rare and potentially valuable alternative during a market downturn
  • Access to various plan options such as Roth 401(k), participant loans and automatic enrollment
  • Access to hundreds of Third Party Administrators who support numerous retirement plan solutions
  • Comprehensive employee education program
  • Value added services including, monthly educational emails and after-hour seminars for you and your employees on topics of interest such as 401(k) Plan Options, Retirement Income Planning and 529 College Savings Plans just to name a few.

One of the main objectives of Capital Management Advisors is to understand and address the evolving interest of plan sponsors and their employees.  CMA’s goal is to then help you identify and select progressive, smooth-running and cost effective plans and evaluate their suitability for your specific organization.

SIMPLE IRA

While typically a solution for small businesses, Savings Incentive Match Plan for Employees is an easy to administer alternative that is open to employers with less than 100 employees.

SEP IRA

A Simplified Employee Pension Individual Retirement Account is another alternative to a 401(k) in which the employer is responsible for funding the accounts for their employees.  This type of plan is typically best for family operated businesses and business owners with no employees.

If you have any questions, please contact us to discuss how we can assist you in your financial goals.

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