Wondering if your retirement plan has hidden fees? Confused about your options? Let us help you.
Business Retirement Services & 401k Planning
Are you evaluating your current retirement program or thinking of starting a new 401k plan for your company? We can help you with an independent review of your current plan choices or we can help you start a new plan that is cost effective and easy to manage. We have helped Colorado businesses design effective retirement plans since 1990.
Consulting Services
We believe that professional advice is paramount to the success of a good retirement plan. Our consulting services can help you evaluate your costs and vendor relationships. You should be certain that your participants are getting the maximum benefit from your plan for a fair and reasonable cost. Read more.
Want to save time? Set up your company 401k plan in under 30 minutes.
Contact Scott Brookes, SHJ's Retirement Plan
Specialist today or visit
www.SHJ401k.com.
Scott Brookes, AIF®
Director of Retirement Plan Services for Sharkey, Howes & Javer.
Scott can provide you with turn-key retirement plans for your business, large or small.
Retirement Plan Choices Available Through Sharkey, Howes & Javer
The right retirement plan can help to recruit and retain good employees. Now you can easily and cost effectively offer a 401k plan through Sharkey, Howes & Javer. Using the telephone and technology, the SHJ401k platform allows business owners to create a 401k plan in a little as 30 minutes. Read More
If you don't have any employees other than your spouse or a partner, an individual 401k plan may be the right choice for you. An individual 401k has many of the same benefits as a traditional 401k, but typically costs less and requires less administration. Substantial pre-tax salary deferrals and profit-sharing contributions make building your retirement savings faster and easier. Read More
We believe that plan design is paramount to the success of a retirement
plan. The most common plan objective we are asked about is how to maximize
plan benefits for the business owner. Cross-testing is a plan design concept
which allows a company to define classes of employees and contribute profit
sharing contributions on a percentage basis to each class. Cross-testing
works best in a company which has a business owner who is slightly older
than the rest of the employees. Read More
Business owners (with no more than 100 employees), may appreciate the
SIMPLE IRA because it is a fast, "simple" plan that is easy to set up. Sharkey, Howes & Javer can help you complete the required short form to establish a plan and ensure that IRA accounts are established for each one of your employees. Read More
As a Denver business owner, if you are looking for larger, tax-deductible contributions than those offered by a SIMPLE plan, you may want to consider a SEP - IRA Plan. A SEP-IRA (Simplified Employee Pension plan) is one of the easiest small business retirement plans to set up and maintain. Read More
An Individual Defined Benefit plan could be the right choice for, you if you are self-employed or a small business owner near retirement and can contribute at least $80,000 a year. This plan allows you to put away the most possible money and it provides the largest tax deductions for older employers. Read More
As an employer, you may make a profit sharing contribution of up to 25% of your compensation, with a maximum contribution of $46,000 ($51,000 if age 50 or older). A profit-sharing plan is a qualified retirement plan that allows you to contribute for yourself and any eligible employees. Read More
Whether your business is large or small, Sharkey, Howes & Javer is ready to help you create the retirement plan that is best for you and your employees. Contact Scott Brookes, AIF®, for more information.
Information presented is not designed to be tax, legal or investment advice and is subject to change at any time. All investments contain risks, including the loss of principal. Past performance is no guarantee of future results. Consult with Sharkey, Howes & Javer to learn more about the strategies and information presented herein.