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Retirement Plan Design

Design Retirement Plans That Build Loyalty and Wealth

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Retire on Your Terms

The right plan attracts talent—and secures your future too.

Retirement planning isn’t one-size-fits-all—especially for business owners and their teams. At Herbert Financial, we design custom retirement plans that maximize tax efficiency, reward employees, and help owners build personal wealth.

Whether you’re starting from scratch or optimizing an existing plan, our strategies align with your business goals and budget. From 401(k)s to cash balance plans, we ensure compliance while boosting contribution potential. A well-structured plan helps retain top talent and sets the stage for long-term security. Let’s build a plan that supports both your people and your profitability.

What is Retirement Plan Design?

Retirement plan design refers to the process of creating and structuring employer-sponsored retirement plans to meet the financial goals of both the business and its employees. This includes selecting the right plan type—such as a traditional 401(k), Roth 401(k), SEP IRA, SIMPLE IRA, or cash balance plan—and setting contribution rules, matching formulas, and vesting schedules. The design must also comply with IRS and ERISA regulations while supporting long-term tax planning. A well-designed plan can lower the business’s taxable income, offer owners higher contribution limits, and serve as a recruiting tool. Tailoring the structure ensures both compliance and strategic financial outcomes.

Plan Compliance Testing

Ensure IRS and ERISA alignment.

Roth vs. Traditional 401(k)

Tax treatment for future distributions.

Employer Match Design

Set contribution formulas that motivate retention.

Safe Harbor Plan

Simplify testing and increase owner contributions.

Service Benefits

Without the right retirement plan, businesses may face tax inefficiencies, compliance penalties, and missed opportunities to attract talent. Many plans are set up without customization, leading to underutilized benefits and frustration. Herbert Financial designs retirement plans that balance business needs, employee incentives, and long-term financial success.
  • Maximize tax-deductible contributions
  • Offer competitive employee retirement benefits
  • Ensure regulatory compliance and audit readiness
  • Align with owner retirement and exit strategies
Let’s build a retirement plan that grows with your business.

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Schedule with Herbert Financial Group and transform the way you approach taxes.

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+1 (818) 213-1388

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