401(k) and Group Pension Plans

We provide a full range of advisory services for 401(k) and pension plans. Our advisors help you consider all factors when structuring a plan—investment objectives, risk and return characteristics and the performance over time of each investment option offered by your pension plan. We also help you evaluate the impact fees and expenses will have on investment returns and retirement income.

Recchia Pension Advisory^sm is equally adept at helping small businesses and self-employed individuals evaluate whether a 401(k) plan is more beneficial and cost-effective than other options. Once considered a retirement tool for larger companies, the Economic Growth and Tax Relief Act of 2001 made 401(k) plans more beneficial to the self-employed than in earlier years. The two key changes enacted relate to the allowable "Employer" deductible contribution and the "Individual" IRC-415 contribution limit.