Pinnacle Investments offers comprehensive workplace retirement solutions designed to help both employers and employees achieve their financial goals. Our knowledge of 401(k) plans and other retirement benefits may help you create a robust retirement program that supports your employees’ long-term financial well-being.
Defined-Benefit Plan
A defined-benefit plan is an employer-sponsored retirement plan where employee benefits are computed using a formula that considers several factors, such as length of employment and salary history. Usually, employees are required to work for a specific amount of time before they become eligible to participate in the plan.
401(k), 403(b), 457 Plans
Employer-sponsored retirement savings accounts that offers tax advantages to employees.
SIMPLE IRAs
A SIMPLE IRA (Savings Incentive Match Plan for Employees Individual Retirement Account) is a retirement savings plan designed for small businesses with 100 or fewer employees.
SEP IRAs
A retirement plan that allows employers (including self-employed individuals) to contribute to traditional IRAs set up for themselves and their employees. It’s simpler to administer for small businesses, freelancers, sole proprietors, and companies with any number of employees.
We provide a range of services to help you manage and optimize your company’s retirement plan:
Plan Benchmarking
We regularly review and compare your plan’s fees, structure, and investment lineup against peers and industry standards to help evaluate competitiveness and value for your employees.
Local Investment Partner
As a local firm backed by full-service investment resources, we act as your on-the-ground partner bringing regional knowledge, personal service, and deep investment expertise.
In-Person Enrollments
We facilitate in-person enrollment sessions and advisor-led meetings to engage employees directly and walk them through plan participation with clarity and confidence.
Ongoing Fiduciary Support
Our team helps support your fiduciary process, reducing your liability while you comply with ERISA regulations.
Financial Planning for 401(k) Participants
We provide personalized guidance and education to help individual 401(k) participants understand their benefits, optimize contributions, and plan for retirement readiness.
Our services extend beyond plan management to support your employees’ retirement readiness.
Financial Education
We provide comprehensive educational resources and advisor-guided enrollments to help employees understand their retirement benefits and make informed decisions.
Personalized Guidance
Our team of advisors offers individual advice and guidance to help employees optimize their retirement savings strategies.
Retirement Readiness Analysis
We offer tools and consultations to help employees assess their retirement preparedness and make necessary adjustments.
Investment Advice
Employees can receive personalized investment recommendations tailored to their unique financial situations and goals.
| Plan Type | Best For | Who Can Offer It? | Who Contributes? | Contribution Flexibility | Administration Complexity |
|---|---|---|---|---|---|
| Defined Benefit Plans | Business owners looking to maximize retirement savings | Businesses with stable revenue | Employer | High contributions allowed based on formula | Higher |
| 401(k), 403(b), 457 Plans | Businesses or organizations offering a traditional retirement benefit | Private companies, nonprofits, government entities | Employee + Employer (optional match) | Flexible employee contributions | Moderate |
| SIMPLE IRAs | Small businesses wanting a straightforward retirement plan | Businesses with 100 or fewer employees | Employee + Employer (required match or contribution) | Moderate | Low |
| SEP IRAs | Self-employed individuals or small businesses with few employees | Self-employed or small businesses | Employer only | Highly Flexible | Very Low |