Start-Up 401(k) Plan

We specialize in affordable and hassle-free retirement plans for small businesses.

How to start a 401(k) for your business

1

Schedule a free Consultation

2

Review customized plan proposal

3

Set up online account in 10 minutes

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Tax Credit

Learn how to take advantage of a $16,500 tax credit for businesses who start a 401(k).


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Compare Plan Types

This chart helps business owners compare the different retirement plan options, and determine which one is best suited for their unique business.


Retirement Plan Selector Tool

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YOUR BEST MATCH

401(k) Plan

The most versatile type of retirement plan. A 401(k) allows both employers and employees to save the maximum amount for retirement, while offering the most flexible options.

Best for:

  • All entity types and sizes
  • Business owners interested in tax strategies, or maximum savings options
  • Employees who want to save toward retirement
Pros
  • Flexible plan design
  • Highest maximum contribution limits
  • No required contributions
  • Eligibility & vesting options
  • Roth & after-tax options
  • Plan loan options
Cons
  • Flexibility can make a 401(k) seem more complex than other plan types
YOUR BEST MATCH

Solo 401(k) Plan

The most versatile plan for owner-only businesses. A solo(k) allows for maximum tax-deductible personal & company contributions, and the flexibility to take loans & make Roth contributions, with no annual contribution requirements.

Best for:

  • Businesses with no employees
  • Business owners interested in tax strategies, or maximum savings options
Pros
  • Highest maximum contribution limits
  • Best plan type for owner-only tax mitigation strategy
  • No required contributions
  • Roth & after-tax options
  • Plan loan options
Cons
  • Flexibility can make a Solo(k) seem more complex than other plan types
YOUR BEST MATCH

SEP IRA Plan

An IRA-based plan that allows employer contributions that must be proportional to the owner & employees (ie the same percentage of pay)

Best for:

  • Businesses with very few employees
  • Businesses prepared to give a proportional employer contribution to the owner and employees (ie the same percentage of pay)
Pros
  • No annual IRS filing
Cons
  • No employee contributions allowed
  • Annual employer contribution requirement
  • No loans
  • No Roth option
  • Must include all employees, including part-time & seasonal
  • Immediate vesting
YOUR BEST MATCH

SIMPLE IRA Plan

An IRA-based plan that allows employees to  make a limited, pre-tax contribution, and requires an annual employer contribution.

Best for:

  • Very small businesses
  • Businesses prepared to give an annual employer contribution
  • Business owner(s) not interested in tax strategy
Pros
  • No annual IRS filing
Cons
  • Low contribution limit
  • Annual employer contribution requirement
  • No loans
  • No Roth option
  • Must include all employees, including part-time & seasonal
  • Immediate vesting
ForAnswers to Common QuestionsView Transcript

Answers to Common Questions

Watch this short video from a Fisher small business specialist to learn the answers to the three most common questions business owners have when starting a retirement plan.


Why Choose Us?



Fisher offers first class service for the price of economy.


View Plan Services


DIFY (Do It For You) Approach

We know you have a business to run. That’s why our solutions focus on doing everything we can for you. When we can’t do it for you, we’ll be there every step of the way to do it with you.

Proactive Guidance

We are proactive partners that aim to solve problems before they exist. We’ll work with you to build the best program possible and provide ongoing one-on-one financial guidance to help you and plan participants achieve a successful retirement.

 
 
Human First Service Model

Put simply, we aren’t a robot. So when you and your participants need help, you are assisted by a human, not a chat bot. We proactively schedule plan review meetings and are your single point-of-contact for all of your needs.

Flexible Solutions

From 401(k)s and Solo(k)s to SEP and SIMPLE IRAs, we offer a wide variety of solutions that meet the unique needs of your business now and in the future.

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Contact Us

One of our 401(k) business specialists would love to talk to you about your company’s retirement plan needs.

Call Us

1 (844) 238-1247

Contact Us Today