A Better Retirement Plan for Your Business and Your People
Offering a 401(k) retirement plan is an important way to invest in your employees’ futures while helping business owners prepare for their own retirement.
At Catalano Financial, we help small-business owners establish and manage 401(k) retirement plans through Betterment at Work, a modern retirement plan platform designed to simplify retirement saving and plan administration.
Our approach combines Betterment’s technology with personal financial guidance from Catalano Financial, helping business owners make informed decisions about their retirement plan.
Whether you’re establishing your first 401(k) or considering a change from your current provider, we can help you evaluate your options.
Is Your Current 401(k) Plan Working for Your Business?
Many business owners establish a retirement plan and rarely revisit whether it still meets their needs.
We help evaluate questions such as:
- Are your plan’s fees competitive and transparent?
- Are employees receiving appropriate investment options?
- Does the plan design support your business objectives?
- Are you getting the service and guidance you need?
- Could another plan structure better serve your employees and ownership team?
Catalano Financial provides a personal point of contact to help business owners evaluate their retirement plan needs and coordinate with the Betterment at Work platform.
Our 401(k) Retirement Plan Services
Plan Design & Evaluation
We help business owners explore retirement plan structures, contribution options, employer matching provisions, and other features in coordination with appropriate plan professionals.
Investment Selection & Monitoring
We assist with evaluating investment options and establishing an ongoing review process appropriate to the plan’s objectives.
Plan Provider & Fee Review
We evaluate plan providers, administrative arrangements, and investment-related expenses to help sponsors better understand their costs and services.
Ongoing Plan Support
We provide ongoing guidance to help business owners review their retirement plan as their company grows and evolves. Working alongside Betterment at Work and other applicable service providers, we help plan sponsors evaluate their retirement plan arrangements and consider whether adjustments may be appropriate.
Why We Work With Betterment at Work
We believe retirement plans should be straightforward for business owners and accessible to employees. Betterment at Work offers a technology-driven approach to workplace retirement savings, including:
- Digital account access and retirement savings tools.
- Investment portfolios designed for long-term retirement goals.
- Automated investment management features.
- Online resources to help employees understand and manage their retirement savings.
- Administrative tools designed to support plan sponsors.
Understanding Your Responsibilities as a 401(k) Plan Sponsor
Establishing a 401(k) plan involves important responsibilities, including understanding plan expenses, investment options, administrative services, and fiduciary obligations.
Catalano Financial helps business owners evaluate their retirement plan arrangements and understand the services provided through Betterment at Work.
Specific fiduciary responsibilities and services depend on the agreements between the plan sponsor and the applicable service providers.
Retirement Planning for Business Owners
Your company’s retirement plan is also part of your broader financial picture. We believe retirement plan decisions should be coordinated with your personal retirement goals, business cash flow, and eventual ownership transition.
Explore our Business Owner Planning services.
Let’s Review Your Company’s Retirement Plan
Whether you’re establishing your first 401(k) or evaluating an existing plan, we welcome the opportunity to learn about your business and discuss your options.