Company Retirement Plans

A Custom Plan Built for Your Needs

Crafting the ideal retirement savings plan is a critical choice for your business's financial health. At Pinnacle, we recognize that the most expensive aspect of a 401(k) plan isn't just the fees; it's the tax-saving opportunity often overlooked with off-the-shelf plans. Utilizing our proprietary design tool, we custom-build plans tailored to meet the unique needs of business owners, helping to eliminate unnecessary costs.

Our proactive approach includes year-round compliance testing to make necessary adjustments to your plan. Additionally, we seize the opportunity to consult with your CPA, ensuring alignment with both corporate and personal tax objectives. At Pinnacle, we aim to guide businesses like yours toward prosperous outcomes, benefiting both you and your valued employees. Whether you're establishing a new retirement plan or ensuring compliance with ERISA regulations, Pinnacle can be your trusted coordinator. Our dedicated team provides expert guidance, allowing you to pursue your financial objectives with confidence and clarity.

We offer:

  • Simple & SEP IRA

  • Simple 401(k)

  • Traditional 401(k)

  • Profit Sharing

  • Defined Benefit Pension

  • Cash Balance Plans

  • Employee Stock Ownership Plan (ESOP)

  • Multiple Employer Plans (MEPs) & Pooled Employer Plans (PEPs)

Low Cost Investments / Transparent Pricing

All Mutual Funds have "share classes" which are different price points for the same underlying investment. Why the different prices for the same investment? Balance requirements and unnecessary layers of commissions! Unlike financial brokers, we are advisers and receive no commissions on the investments we recommend for your plan. Cutting out the middleman broker, enables us to offer you low-cost, no transaction fee funds, that are in many cases, Institutional "share class" funds. As fee-only advisors, our fees are clearly stated and never hidden.

Intuitive Participant & Sponsor Portals

NESTEGGS Participant and Sponsor Portals provide the most modern and easy to use technology available on the market. Accessible in mobile, tablet or desktop formats – the portals have intuitive layouts and are easily navigated. Sponsors can see investment data, employee data, and plan-activity in real time. Participants can see balance information, investment performance data and make investment election and deferral election changes with ease. On-going educational resources are available on-demand within each portal. A self-help document center provides downloadable access to commonly needed plan documents and forms on both portals.

Integrated Record Keeping And Enrollment Platform

NESTEGGS digital enrollment tool coupled with our open-architecture record keeping platform track your employee’s eligibility automatically and proactively notifies them when it’s time to enroll. When deferrals are initially made or changed, those changes are communicated between all of their systems and then on to your payroll provider. They offer customizable payroll reporting templates and deep integrations with nearly all market payroll providers. The enrollment platforms and participant portal can be branded to your company increasing the appreciation for this wonderful company benefit.

One Point Of Contact For Everything

Your company 401(k) plan is OUR JOB NOT YOURS. That’s why we offer unparalleled live-support. As a NestEggs client, you’ll have a single point of contact for EVERYTHING. You won’t reach a call center and you won’t be assigned a number in the queue. Our tools are amazing, but we believe in the value of the trust and rapport that are built in relationships. Call or email your dedicated plan consultant at any time. You will reach the person who knows your plan intimately and who can help you immediately.

§3(38) & §3(16) Fiduciary Support

NestEggs serves as ERISA §3(38) Investment Fiduciaries ensuring that the funds in your plan are suitable for your plan both in performance and price. This reduces YOUR liability for investment performance. They also serve as ERISA §3(16) Administrative Fiduciaries ensuring that your plan remains in compliance with the DOL. They take over numerous administrative responsibilities for your HR department including signing and filing the Form 5500 on your behalf. In addition, we offer designated Trustee services.

  • Low Cost Investments / Transparent Pricing

  • §3(38) & §3(16) Fiduciary Support

  • Integrated Record Keeping And Enrollment Platform

  • Intuitive Participant & Sponsor Portals

  • One Point Of Contact For Everything

  • ––Tax-efficient, customized plans
    –– Generic, “checkbox” plans

  • –– One BUNDLED provider
    –– Several unrelated providers 

  • –– One dedicated NestEggs & Pinnacle consultant
    –– Call centers

  • –– NestEggs handles plan administration
    –– HR handles plan administration

Basic Vs. Boutique

  • ––NestEggs responsible for investments
    –– Sponsor responsible for investments

  • –– ERISA §3(16) and §3(38) Fiduciary Services
    –– Non-fiduciary brokers

  • –– Transparent fees, no commissions
    –– Hidden fees, broker commissions

  • –– Cutting-edge Enrollment & Education Technology
    –– Lackluster employee education

Interested in our Retirement Plans for Small Business Owners?

Disclosure 

Pinnacle has created a formal relationship with NESTEGGS

TURN-KEY.
TRANSPARENT.
TRANSFORMATIVE.

THE COMPLETE 401(k) SOLUTION.

NestEggs is a fully integrated third-party administrator, open architecture record keeper and Registered Investment Adviser. We CUSTOM build and operate, 401(k), pension, Multiple Employer Plans & Pooled Employer Plans and provide §3(16) Fiduciary Administration and §3(38) Fiduciary Investment Management.”