As the owner of a small or mid-sized business, you may have already considered an off-the-shelf, standardized retirement plan that is typically offered to small businesses. Yet these plans offer little choice and often can’t be adapted to meet your company’s unique requirements.

Guardian Retirement Services offers you a fully customizable retirement plan that doesn’t cost more than the “one-size-fits-all” variety.

Competitive administrative expenses
We have a straightforward and very competitive fee structure, which includes fees for plan implementation, annual administration, participant loans and distributions. Specialized administrative services, including integrated or age-weighted profit-sharing allocation or cross-tested profit-sharing allocation, are available at a modest additional cost.

A well-designed plan can cost you less
You may think that you can’t afford to put a taxqualified retirement plan to work at your company, but the truth is that these plans often cost far less than business owners expect. In fact, on an after-tax basis, a qualified retirement plan may not cost you anything at all.

Important tax savings — now and down the road
A qualified retirement plan offers significant tax advantages to you, your business and your employees.

• First, within IRS limits, contributions and administrative fees are tax deductible as a business expense. Recent pension and tax legislation has provided even more advantages to small businesses — including tax credits and higher contribution allowances.

• Second, the contributions you make to your own account, and those that employees make to their accounts, are tax-deferred. That is, you do not pay any income tax until you begin withdrawing money from your account upon retirement.

• Third, the investments within your retirement account grow tax-deferred. You do not pay income or capital gains taxes on any appreciation in their value until you begin making withdrawals.

• And finally, when you do retire and make withdrawals, you may be in a lower tax bracket, thereby lowering the amount of taxes you pay on contributions and earnings. Withdrawals are subject to ordinary income tax and a possible 10% federal tax penalty if taken before age 59½