Qualified Retirement Plan Services

Sponsoring a retirement plan can be big for you and your business.

Attract and retain the best talent.  
Retirement plans are increasingly becoming an expected benefit.  Having a robust plan can be key to your company's growth. 

Save for the future.  
Qualified plans are central to most individuals retirement planning due to their tax-advantaged treatments.  Sponsoring a plan helps employees save towards a successful future.
Optimize tax savings.  
Contributing to a qualified plan allows employees and owners to reduce their tax liabilities.
Unique advantages for owners.  
Owners who sponsor plans can participate as well, allowing them to save for their own retirement while reducing their tax bill.  Businesses can even deduct employer contributions to the plan.

What type of plan is right for you and your business?

Section 401(k) Plans

Qualified retirement plan services with Section 401(k) plans offer employees a tax-advantaged way to save for retirement while helping employers attract and retain talent. These services typically include plan design, administration, investment management, and compliance assistance to ensure adherence to IRS regulations.

Cash Balance Plans

Cash balance plans offer retirement security to employees and can be an attractive option for business owners and professionals looking to maximize retirement contributions and tax advantages. These services typically involve plan design, actuarial calculations, compliance, and investment management tailored to the specific needs of employees and employers.

Variable Investment Plans

Variable investment plans can provide a diversified and customizable approach to retirement savings, allowing participants to tailor their portfolios to their risk tolerance and long-term financial goals. These services can include plan administration, participant education, and periodic reviews to help individuals make informed investment choices within the plan.

Self-Employed

Qualified retirement plan services for self-employed individuals, such as a Solo 401(k) or SEP IRA, empower self-employed professionals to save for retirement efficiently with potential tax benefits. These services typically include plan setup, contribution limit guidance, investment management options, and compliance support to ensure adherence to IRS regulations.

For almost 20 years, 5th Street Advisors has been on the vanguard of providing independent fiduciary investment advice to retirement plans.  We work with large employers, small businesses, multiple employer plans, and even startups and sole proprietors.

How we help

3(21) and 3(38) Advisor Services

One of the most critical fiduciary duties of a plan sponsor is to prudently manage plan investments. Serving as either a 3(21) or 3(38) fiduciary investment advisor, 5th Street provides sponsors with independent, objective advice. In its role as a fiduciary advisor, 5th Street is compensated solely by a fee and does not receive commissions, 12(b)1 fees, or other forms of revenue sharing from plan investments.

Financial Wellness and Education

We provide a Financial Wellness Program that bridges the gap between employees’ 401(k) and their broader financial lives.  We encourage employees to take control of their financial future through personalized consultations with a dedicated team of financial planners, ongoing educational seminars, and regular commentary on the economy and markets.

Benchmarking and Consulting

We help business owners and HR directors navigate the, at times complex, qualified plan space.  For businesses seeking to sponsor a qualified plan for the first time, we help choose the correct plan and find the best and most cost-efficient administrators and record-keepers.  For existing plans seeking due diligence, we provide fee benchmarking analysis, review of investments, and assistance running requests for proposals from service providers.