Business & Retirement
Plan Services
Comprehensive fiduciary guidance to help business owners optimize their corporate benefit programs and empower employees toward financial security.
Independent Fiduciary Accountability
OUR ADVANTAGE
As an independent RIA, we’re held to a higher standard, undertaking the fiduciary responsibility to provide clients with unbiased, conflict-free advice, and full disclosure and transparency. As a result, we believe our clients can feel more confident in their plans and the guidance they receive from us, knowing our responsibility is to serve their needs first, last, and always. By choosing to work with our retirement plan consulting team, we believe clients benefit from:
A Fiduciary Process
Our process is focused on providing a comprehensive analysis of your 401(k) program and your specific goals, uncovering the true cost of your current plan and identifying any present plan liabilities. This critical information helps us point to options that represent better returns, lower costs, and less risk. Through this proactive process, we can work together to implement an appropriate plan for your business.
Open Architecture
Our independence affords employers thousands of investment options through leading custodians that we can customize for your company. The objective advice and fiduciary care we offer is what brokers and sales reps can’t provide.
An Experienced Team
When you partner with Pangaro Wealth Management, you gain access to a team of retirement plan professionals with the experience and knowledge to review your unique circumstances, analyze the options available, and make best-practice recommendations. With over 15 years’ experience, we have the knowledge to help companies from plan start-up to advanced planning needs.
Comprehensive Retirement Options
SERVICES
Many small and mid-sized businesses want to offer a retirement plan to their employees but are concerned with the time, costs, and liability. We seek to solve this problem by providing comprehensive group retirement plan services. Our team works closely with our clients to determine an appropriate retirement option that helps both the business owner and employees pursue a financially secure retirement. We support a broad range of retirement plans, including:
401(k) Plans
Cash Balance Plans
ESOP Plans
403(b) Plans
Deferred Compensation Plans
Defined Benefit Plans
457 Plans
NQDC Plans
SEP Plans
Plan Governance & Fiduciary Liability
Our process is focused on providing a comprehensive analysis of your 401(k) program and your specific goals, uncovering the true cost of your current plan and identifying any present plan liabilities. This critical information helps us point to options that represent better returns, lower costs, and less risk. Through this proactive process, we can work together to implement an appropriate plan for your business.
Benchmarking
We want you to be comfortable with what you are paying for the cost of the investments, recordkeeping, and administration of your plan. To determine the competitiveness of your plan and other available options, we provide due diligence market analysis and independent cost benchmarking on a regular basis. By doing so, we can leverage a potential cost reduction for you from your service providers.
Contribution Optimization
We can help you optimize the use of your company contributions to achieve business objectives, such as more employee participation or higher allowable contributions for owners and management. This is done by helping you determine how to use cash balance pension plan contributions, safe harbor contributions, matching contributions, and other strategies.
Employee Education
The best plan-level services can only work so well without excellent employee-level services. We seek to help not only you but also your employees pursue financial security in retirement, offering enrollment meetings, financial education, and more.
