04 · The long game
Retirement Plans
Plan design, low-cost fund lineups and fiduciary support — with administration that runs quietly in the background.
The problem
Fees you never see leave the largest mark
Asset-based advisory fees, revenue sharing and expensive share classes compound silently across decades of contributions.
- Layered advisory, recordkeeping and fund fees
- Plan designs that cap owner contributions
- Nobody reviewing the lineup year over year
The solution
A 401(k) that rewards the owner and retains the team.
- Smarter retirement planning
- Simplified administration
- Automated contributions
- Employee benefits that retain staff
- Expert fiduciary guidance
- Annual plan review
Plans
Plans tailored to your needs
Start with the essentials and add payroll or people support whenever your practice is ready.
Core Care
- Payment processing
- Patient financing
- Loans for your practice
- Full access to webinars and events
Core Care + Payroll
- Payment processing
- Patient financing
- Loans for your practice
- Full access to webinars and events
- Payroll
Core Care + People
- Payment processing
- Patient financing
- Loans for your practice
- Full access to webinars and events
- HR and compliance
Complete Care
- Payment processing
- Patient financing
- Loans for your practice
- Full access to webinars and events
- Payroll
- HR and compliance
Benefits
Why practices choose our retirement plans
Owner-optimized design
Safe harbor, profit sharing and cross-tested designs modeled for your census.
Transparent fees
Flat-dollar administration and institutional share classes.
3(38) fiduciary support
Investment selection and monitoring delegated off your plate.
Automatic enrollment
Higher participation without chasing paperwork.
Payroll integration
Deferrals sync each cycle — no manual uploads.
Employee education
Onsite and virtual sessions your team will actually attend.
How it works
Three steps, no disruption
- 01
Model the design
We compare your current plan against two or three alternative structures.
- 02
Implement
Documents, notices and payroll integration handled for you.
- 03
Review annually
Testing, filings and a plain-English performance review each year.
Features
What's included
Compliance testing
Nondiscrimination testing and Form 5500 preparation included.
Cash balance options
For high-earning owners looking to accelerate contributions.
Participant portal
Clear dashboards and projections for every employee.
Flat-fee
Administration, not a percent of your assets
Annual
Plan review with a real person
3(38)
Fiduciary support available
What this means for you
You and your team keep more of what the practice earns.
FAQ
Questions about this service
The Savings Checkup
Find out what your practice is really paying.
A clinician-to-clinician review of your payment processing, patient financing, payroll and retirement plan. Free, confidential, and there is nothing to switch unless the numbers say so.
01You send statements
Recent statements for whichever services you want looked at. Nothing else required.
02We read the fine print
A line-by-line review of what your practice actually pays today — rates, fees and all.
03You get a straight answer
Current cost, proposed cost, and the difference in writing. Keep what you have if it wins.
No cost, no obligation, no long-term contract to find out.