CUSTOM(K): RESPONSIVE, TURNKEY, EFFICIENT
what it is
Custom (k) is a retirement program for businesses looking to offer a comprehensive 401(k) plan that uses turnkey investment providers, including open architecture solutions, and offers a wide array of features and benefits to its participants.
Suited for
Appropriate for businesses that seek to:
» Provide an opportunity for their employees to take an active role in saving for retirement
» Reward savings behaviors through matching contributions
» Recognize employees through discretionary profit-sharing
» Tailor contributions for specific groups
» Offer a suite of customized plan benefits and features to complement their benefit plan offering
Key Features
» Designed to fit the immediate and long-term needs of the employer
» Complete suite of plan documents, including employer resolutions and participant notices
» Traditional, pre-tax 401(k) & Roth 401(k) employee contributions
» Safe harbor contributions to reduce possible deferral limitations for the highly compensated employees
» Opportunity to auto-enroll employees and auto-increase salary deferrals
» Ability to allocate discretionary match or profit-sharing contributions
investment options
» Available platforms: a wide array of investment platform options, including open architecture
» Target date, lifestyle and risk-based actively managed portfolios
» Participant direction for all contribution types
SCHEDULE A CONSULTATION
Discovery >
We help identify the needs and gather data to develop the right solution.
Solution >
We assist in developing the client presentation and recommendation.
Implementation
Once the plan is adopted, together, we implement it and provide plan services.
Financial professional's use only. Provided for discussion purposes only and in no way represents legal or tax advice. Plans discussed above may not be appropriate in all cases. For advice regarding specific circumstances, the services of an appropriate legal or tax advisor should be sought.
Cetera Retirement Plan Specialists is a third-party administrator and may not offer tax, legal and investment advice. Plan sponsors should consult their tax, legal and investment professionals.
Affiliated Entities
Cetera Retirement Plan Specialists may provide third party administrative services (TPA) to clients of financial professionals, who are affiliated with its family of broker- dealers and registered investment advisers. Cetera Retirement Plan Specialists is part of Cetera Financial Group®. Cetera Retirement Plan Specialists and its related entities operate independently and there is no requirement for retirement plan clients of Cetera Financial Group firms to engage with Cetera Retirement Plan Specialists.
About Cetera Financial Group
“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), Cetera Financial Specialists LLC, and First Allied Securities, Inc. All firms are members FINRA/SIPC. Located at 655 W. Broadway, 11th Floor, San Diego, CA 92101.
Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.
Cetera Retirement Plan Specialists
Mailing Address: Cetera Retirement Plan Specialists | P.O. Box 303, St. Cloud, MN 56302
Corporate Headquarters: Cetera Retirement Plan Specialists | 655 West Broadway, 12th Floor San Diego CA 92101
© 2022 Cetera Retirement Plan Specialists