At Guardian Retirement Services, we recognize that no two businesses are exactly the same. Our plan design professionals are skilled at helping you select a qualified plan that meets your company’s unique requirements.

We take the time to understand your business and personal retirement goals. Then we factor in your employee demographics, such as how many employees you have, their relationship to you, their compensation, tenure and age. With this detailed information, we are able to recommend a customized qualified retirement plan that delivers the most value to you, your employees and your business.

Different plans for different needs
Guardian Retirement Services has experience administering a full range of qualified retirement plans, including 401(k), profit sharing and defined benefit plans. We can also administer plan combinations that make sense for your business.

An open investment platform
Most of the qualified plans administered by Guardian Retirement Services can be funded with a number of different investment vehicles, including most mutual funds, variable annuities, and individual stocks and bonds — as permitted by pension law and regulation. Many of these plans may allow for the purchase of life insurance to provide a partially income-tax free death benefit to the participant beneficiary.

Alternatively, for clients who want a fully-bundled program, Guardian Retirement Services also administers 401(k) PLUS, which provides complete recordkeeping², administration and investment options. With this program, the investment menu includes a choice of funds from RS Funds and other well-known fund families.

You and your employees can benefit
As a business owner, you want a plan that will help you satisfy employees. But you also want to focus on your own financial security. Our plan design experts can help you tailor eligibility requirements and plan design to receive the maximum benefit for you and your employees.

Your employees will appreciate a retirement program too, since it offers a smart and convenient way to save for retirement. A retirement program can also help you level the recruiting field, attracting and retaining employees who might otherwise have gone to larger companies. And, if a salary deferral program is chosen, such as a 401(k), your employees will have the added ability to save on tax-deferred basis.

A FULL RANGE OF PLAN OPTIONS

• 401(k)

• Safe Harbor 401(k)

• Traditional defined benefit

• 412(e)(3) fully insured defined benefit

• Traditional profit-sharing

• Age-weighted and new comparability profit-sharing