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Pension and Retirement Benefits and Planning

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Cambyses provides consulting, advisory, implementation, management, and compliance services for employer-sponsored retirement plans, business owners and their employees.  Our involvement in their Retirement and Pension Benefit planning, almost inevitably, begins when a business owner or their employee seeks our:

 

  • Retirement Financial Planning/Analysis Service to set goals and explore options for their eventual retirement, or

  • Retirement Preparation Advisory Services to assess their readiness to retire and map a strategy to do so

 

Those conversations, particularly those with business owners, often lead to discussions about employee pension plans and the incentives they provide for employee satisfaction, loyalty, and retention.

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For employers and business owners who want to take that conversation further, Cambyses offers flexible, pre-approved or custom, ERISA or non-ERISA, retirement plan options: Individual IRA, SEP, SIMPLE, 401K, Qualified or Defined Benefit Plans, ISO, ESOP, and Unqualified (Top Hat) Plans

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Cambyses guides and assists you as you:

  • Explore your plan options and assess their feasibility or sustainability within your business model

  • Select, Design, and Implement a plan that incorporates the features and options you choose, and

  • Fund and Administer the Plan

 

Most commonly, Cambyses assists with

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  • Plan Selection and Implementation

  • Portfolio Selection and Management

  • Administrative Managerial and Ministerial Assistance

  • Compliance Monitoring and Reporting

  • Continuous Plan Updates to maintain qualification and optimize Incentives

  • And in some cases, Full Service Third Party Plan Administration

 

Because Retirement and Pension Benefit Planning has an inherently long-term perspective-operational time frame and  is intimately concerned with the client’s and their employees’ lifestyles and life choices we often find it fosters life-long relationships and friendships. Not a bad bonus for a business service we enjoy providing!

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Ask us how Business Pension Benefit Planning can drive your  Succession and Exit Plan!

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In cooperation with our strategic partners, Cambyses Financial Advisors supplements our offer with a  comprehensive array of business and personal planning, management, governance, finance, insurance, legal, and tax solutions.

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Public Policy and Pension/Retirement Options

We often share our insights and opinions about public policy issues that affect your plans. Here is an example:

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Peter Thiel's 5 Billion Dollar IRA: This Public Policy discussion examines the actions and responses around Pro-Publica's (and the House Ways and Means Committee's) revelations concerning Mega-IRAs -- very large IRA accounts spawned by investments in ventures that later proved extraordinarily profitable. Since it is the largest, best documented example (and seems to register at about 10-of-10 on the outrage meter) we use Peter Thiel's $5 Billion Roth IRA in our example. (We think you will be surprised by our conclusions!) (September 2021)

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