Supporting everyone from CEOs to entry-level employees with flexible, scalable retirement solutions
Advanced Wealth & Retirement Strategies for Business
Designed to Work With or Replace Traditional Retirement Plans
Our strategies are built to work alongside existing 401(k) plans or, for certain businesses and individuals, serve as an alternative depending on goals, eligibility, and plan design.
We support both traditional and non-traditional retirement approaches 100%, helping businesses choose what fits their culture, workforce, and financial objectives.
Existing retirement funds—such as 401(k)s and IRAs—may be repositioned through rollover strategies, which in some cases can include bonus incentives ranging approximately from 7% to 16% with no market loss strategies. subject to product terms and eligibility.
Traditional 401(k) vs. Alternative Retirement Strategies
| Feature | Traditional 401(k) | Alternative Retirement Strategies* |
|---|---|---|
| Market Risk | Subject to market losses. | Designed with no-market-loss strategies. |
| Contribution Flexibility | Limited by IRS. | Flexible contributions, based on strategy. |
| Employer Participation | Employer match is optional. | Employer-paid, employee-paid, or shared. |
| Payroll Deduction | Yes. | Yes. |
| Tax Treatment | Tax-deferred. | Tax-advantaged strategies may apply. |
| Access To Funds | Typically limited before retirement. | May allow access during life (policy-based). |
| Portability | May be limited by employer. | Individually owned or employer-sponsored. |
| Bonuses on Rollovers | None. | Potential bonuses of ~7% to –16% . Bonuses are subject to product terms, eligibility, and carrier availability. |
| Employee Eligibility | Often limited by class or tenure. | Can include anyone, from executives to entry-level employees. |
| Minimum Contributions | Typically higher. | Can start as low as ~$25 per paycheck. |
* Alternative strategies may include indexed life insurance and indexed annuity-based solutions.
Indexed Universal Life (IUL) Strategies
Indexed Universal Life (IUL) can be structured as a powerful retirement and wealth-building tool for business owners and employees.
These strategies offer:
- Tax-advantaged growth potential
- No-market-loss protection
- Flexible contribution amounts
- Access to cash value during life
IUL strategies can be offered:
- Individually or through payroll deduction
- As employer-contributed, employee-paid, or shared arrangements
- To leadership teams or across the entire workforce
Contributions can start as low as approximately $25 per paycheck, making these strategies accessible from CEOs to entry-level employees.
Indexed Annuities for Long-Term Income Planning
Indexed annuities are designed to help protect accumulated savings while creating predictable retirement income opportunities.
These strategies:
- Protect principal from market losses
- Offer growth linked to market indexes
- Provide optional lifetime income features
- May include bonus opportunities when repositioning existing qualified funds
Indexed annuities are commonly used to complement or replace portions of traditional retirement plans as part of a diversified strategy.
Key Employee & Executive Retention Strategies
We work with employers to design custom life and annuity-based strategies for:
- Business owners
- Executives and leadership teams
- Key employees and managers
- Entry-level employees looking to build long-term savings
These strategies help:
- Retain and reward top talent
- Create long-term incentives aligned with company growth
- Support employee financial wellness at every level
- Protect the business from losing critical personnel
Plans can be employer-paid, employee-paid, or shared—and structured through payroll or individual ownership.
Many employers choose to offer alternative strategies alongside an existing 401(k) to give employees more flexibility and diversification. Others evaluate whether a non-traditional approach may better align with their workforce goals, retention strategy, or long-term planning objectives.
We support both traditional and non-traditional strategies 100%—and help businesses determine how each option fits within their overall benefits and compensation plan.
Not One-Size-Fits-All
Every business and employee is different.
That's why we:
- Compare options side-by-side
- Explain trade-offs clearly
- Design plans for CEOs to entry-level employees
- Support employer-paid, employee-paid, or shared models
White-Glove Guidance From Start to Finish
Advanced strategies require education and experience.
You'll work directly with a trained, licensed professional who guides you through evaluation, design, implementation, and ongoing support. We stay actively involved and accessible long after plans are in place.
Schedule a Complimentary Retirement Strategy Review
We'll walk through:
- Traditional vs alternative options
- Rollover opportunities
- Payroll-based setups
- Employer contribution strategies
All with a trained, licensed professional—at no cost and no pressure.