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Pension Planning

Create a Retirement You Can Count On

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Plan With Purpose

Design a pension plan that rewards your lifetime of work.

Pension planning gives you the power to define your financial future. At Herbert Financial, we design and manage employer-sponsored pension plans tailored to long-term business goals and employee needs.

These defined benefit plans provide guaranteed lifetime income, giving peace of mind to both owners and employees. We help business owners optimize contributions, ensure plan compliance, and manage funding strategies. Pensions also offer valuable tax benefits and long-term retention tools for key staff. Whether you’re building a retirement plan for yourself or your team, we’ll help you create one that lasts.

What is Pension Planning?

Pension planning involves creating a structured retirement benefit, typically in the form of a defined benefit plan, where an employer promises a specified monthly payout upon retirement. This payout is calculated using a formula based on salary history, years of service, and age. Pension plans require careful funding, actuarial oversight, and compliance with IRS and ERISA rules. They are ideal for business owners who want to ensure retirement security for themselves or provide long-term incentives to attract and retain employees. Unlike defined contribution plans, pensions shift investment risk away from the employee and onto the employer.

Defined Benefit Plan

Guarantees lifetime income at retirement.

Actuarial Valuation

Determines funding requirements for the plan.

ERISA Compliance

Federal law regulating pension and welfare plans.

Employer Contribution

Business-funded retirement benefit formula.

Service Benefits

Without a pension plan, many businesses miss out on a key advantage in attracting top talent and reducing owner tax liability. Inconsistent planning leads to underfunded retirements and missed compliance benchmarks. Herbert Financial helps design pension plans that deliver guaranteed income, strategic tax savings, and long-term security.
  • Provide guaranteed retirement income
  • Reduce annual business tax exposure
  • Retain key employees long-term
  • Ensure plan compliance and oversight
Secure tomorrow—start your pension planning with Herbert today.

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+1 (818) 213-1388

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