We have helped self-employed individuals and small business owners with retirement plan development and investment management since the 1970s. When you work with Pension Parameters, you can expect objective and prudent advice backed up by decades of experience.

Retirement Plan Design And Administration For Small Businesses
Pension Parameters works with small businesses – ranging in size from 1 to 500 employees – to design and execute customized retirement plans. When we meet with you, we’ll ask the following questions as part of our comprehensive evaluation of your needs:

1. Is your current plan keeping pace with the needs of your employees and your company?
2. Is your plan flexible with respect to cash flow, affordability, and fixed expenses?
3. Does your plan offer participants sufficient investment choices?
4. Are your plan documents in compliance with all current government regulations?
5. Have you explored the new comparability feature available in profit-sharing plans?
6. Do you have an Investment Policy Statement?

If you are establishing your first retirement plan, we can help you. We’ll educate you about your options, such as a 401(k) or a profit-sharing or defined benefit plan. We can also help you create and implement a flexible spending or health spending account.

1. 401(k) plans, which allow you and your employees to make contributions through pre-tax payroll deductions
2. Defined benefit plans, which may allow a business owner to make the highest possible annual contribution to his or her retirement account
3. New comparability plans, a profit-sharing option that allows certain businesses to make discretionary contributions to a qualified plan

Pension Parameters will serve as your plan’s investment advisor, guiding you on fund selection. We will closely monitor your plan’s investments and make timely recommendations for changes as market forces and your needs dictate.

As your third-party administrator, we will help you establish and maintain your retirement plan, ensuring that it complies with IRS rules and state and federal regulations.

Personal Financial Planning
Pension Parameters can assist you, as a small business owner, in establishing an investment plan to reach your long-term financial goals. We will work closely with you to learn your risk tolerance and your vision for your financial future. After we have spent significant time getting to know you, we will develop an investment plan and then systemically implement your plan to help you achieve your goals

We have access to thousands of mutual funds and exchange-traded funds. Because we are not tied to any one company’s products or services, rest assured that we will recommend only the funds that are the best fit for your investment objectives.

The Process

1. Collect & Analyze Your Financial Information
2. Evaluate Your Unique Circumstances & Goals
3. Recommend Plan to Meet Your Goals
4. Implement Your Plan
5. Keep You Informed About Your Plan’s Performance
6. Monitor the Plan & Rebalance as Necessary