Retirement Plans

Retirement Plans

Spherient designs and manages a wide variety
of qualified retirement plans for organizations of all sizes.

We study your employee benefit goals and match those with cost-effective, comprehensive solutions. As plan co-fiduciaries, Spherient takes on the complicated regulatory and compliance function and also ensures transparent and competitive fees through benchmarking and clear communication.

Designing the right employer-sponsored retirement plan for your organization requires detailed analysis
of your company’s:

Size
Structure
Benefits Goals

Retirement plans fall into three major distinctions:

Defined Benefit Plans

Spherient Advisors is a leading expert in managing defined benefits plans, also known as pension plans in which employee’s monthly benefit is calculated according to the length of service and salary history.

Defined Contribution Plans

A defined contribution plan is a retirement plan in which certain dollar amount or percentage of money is set aside each year by an employee and/or employer for the future benefit of the employee.

Non-Qualified Plans

Spherient Retirement Advisors help organizations design and structure Non-Qualified Deferred Compensation Plans (NQDC) in order to offer tax-leveraged financial security to key employees, supplementary benefits to an individual who is already receiving the maximum benefits allowable, or to provide benefits in lieu of or as a supplement to a qualified retirement plan.

Expertise

Spherient’s expertise covers all types of employer-sponsored retirement plans. We help you understand the intricacies of each, so that you are able to make the right choice. We then structure, manage and offer ongoing communication to ensure proper oversight and understanding.

Call Spherient Advisors 1-800-385-2309