IF YOU’RE A BUSINESS OWNER, YOU KNOW THAT YOU ARE PERSONALLY RESPONSIBLE FOR YOUR OWN FINANCIAL SECURITY IN RETIREMENT. THERE’S SIMPLY NO ONE ELSE LOOKING OUT FOR YOUR LONG-TERM INTERESTS OR THOSE OF YOUR EMPLOYEES.

Yet, like many entrepreneurs, you may not have established a qualified retirement plan for your company. You may think that a retirement plan will be too complicated to administer or too expensive.

You’re not alone. In 2006, only 47% of companies with fewer than 100 employees had retirement plans.¹

Fortunately, there’s Guardian Retirement Services, a long time provider of qualified retirement plan administration, with a clear focus on the needs of small businesses. We offer a wide range of retirement plans that are convenient and costeffective for any size company. We specialize in designing plans that fit the unique requirements of today’s small businesses.

Along with customized plan design capabilities, we provide a complete turn-key solution to make it easy for you — handling all facets of plan administration from implementation to annual reviews, reporting and testing. And, we deliver these services at a price you really can afford.

TOP REASONS SMALL BUSINESSES DON’T HAVE RETIREMENT PLANS

1. Revenue is too uncertain or low
2. Costs too much to set up and administer
3. Employees are not interested
4. Too much goes to short-term employees

At Guardian, we understand the challenges that small businesses face. We help overcome these obstacles with customized, cost-efficient and turn-key retirement programs that are valued by employees and employers alike.