Comprehensive Retirement Solutions for Employers

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401(k) Plan Advisory

Our 401(k) plan advisory services simplify plan design and compliance, ensuring your employees receive optimal retirement benefits tailored to your business needs. Click here to learn more.

403(b) Plan Advisory

Managing a standalone 403(b) plan can be complex, time-consuming, and legally risky for nonprofit leaders. That’s why we offer a streamlined solution through a 403(b) Pooled Employer Plan (PEP) – designed to reduce administrative burden, cut costs, and eliminate fiduciary exposure. Click here to learn more.

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Fiduciary & Compliance Support

Our fiduciary services provide peace of mind, ensuring your retirement plans comply with regulations while protecting your interests as a trusted advisor.

Participant Education

We offer on-site employee financial education to enhance understanding of retirement plans, promoting participation and empowering your workforce to make informed financial decisions.

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Wills & Estate Planning

Ensure your legacy is protected and your wishes are honored. Our wills and estate planning services provide you with a clear, customized strategy to safeguard your assets, minimize taxes, and take care of your loved ones. Whether you’re planning for your family’s future or protecting a business, we’ll help you put the right documents and directives in place.

Life Insurance

Protect what matters most with a personalized life insurance strategy. Life insurance provides financial security for your loved ones in the event of the unexpected – covering everything from income replacement and debt payoff to future education expenses. At Alpha Retirement Advisors, we help you evaluate your needs and choose the right coverage, whether it’s term, whole, or universal life. Our goal is to ensure peace of mind and long-term protection for your family and your legacy.

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Financial Planning

A strong retirement starts with a solid financial foundation. We provide comprehensive financial planning tailored to your personal goals – whether you’re saving for retirement, managing investments, or preparing for major life events. Our team helps you make smart decisions with confidence, using clear strategies rooted in your values and priorities.

529 Plans

Invest in your child’s future with a tax-advantaged 529 college savings plan. We guide you through plan selection, contribution strategies, and long-term projections to help cover future education costs. Whether it’s for college tuition, K-12 expenses, or even graduate school, our advisors make it easy to plan ahead and maximize your savings potential.

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401(k) Plan Advisory

Our 401(k) plan advisory services simplify plan design and compliance, ensuring your employees receive optimal retirement benefits tailored to your business needs. Click here to learn more.

403(b) Plan Advisory

Fiduciary & Compliance Support

Our fiduciary services provide peace of mind, ensuring your retirement plans comply with regulations while protecting your interests as a trusted advisor.

Participant Education

We offer on-site employee financial education to enhance understanding of retirement plans, promoting participation and empowering your workforce to make informed financial decisions.

Wills & Estate Planning

Life Insurance

Financial Planning

529 Plans

Compare Retirement Plans

Choosing the right retirement plan depends on your organization’s size, structure, and goals. Below is a breakdown of the most popular options for small and mid-sized businesses and nonprofits.

Feature	401(k)	403(b)	Simple IRA	SEP IRA
Who Can Offer It	Private & Public Companies	501(c)(3) nonprofits, schools, religious orgs	Employers with ?100 employees	Any business with employees
Employee Deferral Limit (2025)	$23,000 ($30,500 age 50+)	$23,000 ($30,500 age 50+)	$16,000 ($19,500 age 50+)	Not allowed
Employer Contributions	Optional, Profit Sharing & Matching	Optional	Required Match or Nonelective	Required Contribution
Total Contribution Limit	$69,000 ($76,500 age 50+)	$69,000 ($76,500 age 50+)	$33,000 ($36,500 age 50+)	25% of comp up to $69,000
Vesting Schedule Allowed	Yes	Yes	No (Immediate Vesting)	No (Immediate Vesting)
Top-Heavy Testing	Yes (unless Safe Harbor)	Yes	No	No
Form 5500 Filing Required?	Yes	Yes	No	No
ERISA Coverage	Yes	Sometimes (depends)	No	No
Best for	Most private employers	Nonprofits and public education	Small businesses with fewer employees	Solo business owners or freelancers with no full-time staff

Schedule a Compliance Review Today!

Contact us today to schedule your no-obligation Compliance Review and discover how our expert advisors can help safeguard your business, simplify your processes, and ensure full regulatory confidence. We are the advisors for tomorrow – delivering forward-thinking solutions today.