Be Ready for Your Retirement! 

Retirement plans are one of the very few tax-advantaged strategies that allow taxpayers and businesses to defer tax on current income significantly into the future.  Let the IRS help you prepare for your and your employees’ retirement, while potentially decreasing your current tax bill!

Unfortunately, the rules and regulations relating to retirement plans are complex and often confusing.  Our firm offers a variety of services to guide you through this complex thicket of rules:

• Consulting to determine the type of plan that suits you and your business – so many plans and options, what do they mean and which one is right for you and your business?

                  SEP         
                               ?             SIMPLE 

?       Money Purchase

                            ?

Profit Sharing                  401(k)    

                   Safe Harbor     ?

Cross Testing
                                  Defined Benefit

• Plan comparisons and expected costs and tax benefits

• Employee training and informational sessions

• Ongoing administration:

ü      Contribution calculations

ü      Compliance testing

ü      Participant account balance statements

ü      Forms 5500 (tax returns)

• Investor Education

In addition, Spectrum can provide your business with a one-stop, turn-key retirement program, including:

• Plan design

• Plan documents and plan updates

• Plan administration – including all testing and Forms 5500.

• Employee consultation

• Investor Education

Call us for details and we’ll be happy to meet with your at your office to give you a presentation.