Submitted by Mario.Vargas@c… on

Support your team, talent, and a future without limits.

A retirement plan can be a powerful, attractive workplace benefit, and it may be one of the most underutilized tools in your own wealth strategy.

Start a Conversation

A plan that works as hard as you do.

For many owners, a well-designed workplace retirement plan is not just another benefit. It can be a powerful recruiting and retention tool, a tax strategy, and personal wealth acceleration tool. The key is to design a plan that matches your needs, goals, and how your business operates.

Built for businesses that value people, growth, and simplicity.

Our Workplace Retirement Plan support is typically a good fit for business owners and teams that want better outcomes for their people and their business, without adding complexity.

Small business owners

Plans designed to be manageable, compliant, and valuable for a lean team.

Growing companies

Plan design that can scale with the business and its evolving needs.

Professional practices

Plans that can support owners and key staff while keeping plan operations clear.

Family-owned businesses

Plans built to balance business priorities, family goals, and long-term continuity.

Solo-Preneurs

Plans designed to help solo and gig-workers save consistently and reduce taxes without complexity.

Build a plan that suits your needs.

Different types of workplace retirement plans solve different problems. We start by getting to know you, your business, and your goals. Then we help you compare plan attributes and trade-offs and choose a structure that fits your goals, workforce, and budget.

401(k) Plans 

401(k) plans

A flexible option for many businesses that want broad participation and straightforward administration.

Safe Harbor 401(k) 

Safe harbor 401(k)

Often used by owners who want to maximize contributions while reducing certain compliance testing concerns.

SEP IRA 

SEP IRA

A simpler structure that may fit smaller teams, with contributions typically made by the employer.

Simple IRA 

Simple IRA

A streamlined option for smaller employers that want an easier setup and consistent contributions.

Defined Benefit / Cash Balance 

Defined benefit / cash balance

Often a fit for high-earning owners who want larger, tax-advantaged contributions and have stable cash flow.

403(b) Plans 

403(b) plans

A retirement plan commonly used by nonprofits and educational organizations, whose employers want a structured plan with straightforward employee participation.

Solo/Individual 401(k)s 

Solo/individual 401(k)s

Designed for owner-operators who want a structured way to save, allowing higher contributions through employee and employer savings.

Offer a plan your people will actually use.

Designing your workplace retirement plan is only the start. Cetera Planning Partners supports retirement plan implementation, education, and ongoing plan management. This means less administrative load for you, valuable education for your employees, and better plan participation for everyone.

Easy onboarding and enrollment support

Practical support reduces friction for employers and new participants and improves follow-through.

Compliance and plan administration

Ongoing coordination keeps your plan organized, deadlines clear, and required tasks handled consistently.

Fiduciary responsibility

Oversight aligned to your plan’s needs and structure helps keep roles and responsibilities clear, with participant-focused decision-making.

Frequently asked questions about workplace retirement plans.

We start with goals, headcount, compensation, and cash flow, then compare plan options and tradeoffs. The goal is a structure that is sustainable for the business and meaningful for participants.

Yes. Plan design can influence how much owners and key contributors may be able to contribute. We help evaluate options like Safe Harbor designs and other structures based on your goals and situation.

We support ongoing plan management, including participant education, enrollment support, and coordination around administration and compliance so the plan stays usable and responsibilities stay clear.

Yes. If you already have a plan, we can review design, participation, costs, and how the plan is being used, then share clear recommendations and priorities.

Yes. As a matter of fact the SECURE 2.0 Act provides several new tax credits to help offset the start-up costs of establishing several types of workplace retirement plans. It’s never been more cost-effective to set up a new workplace retirement plan.