Plan Design
The design of your plan is one of the most important parts of your retirement process. A well designed plan can create efficiencies, avoid fiduciary pitfall and even enhance employee retention. 

The experts at CPD specialize in intricate, customized planning for owners of small to mid-sized businesses for maximum tax savings and worry-free retirement. We are leaders in cutting-edge plan designs to guarantee the best results for retirement savings and tax benefits while keeping in compliance with the complexities of government mandated regulations. We are firm believers that retirement planning is not a one-size-fits all proposition. 

In addition, we work in conjunction with your advisors to fully utilize the tax benefits available under prevailing law and regulations and to ensure your income for future years. 

Types of Plans 

• Defined Benefit

• Cash Balance

• 401(K) Traditional and Roth

• Profit Sharing

• 403 (b)

• Money Purchase

• Employee Stock Ownership (ESOP)

• Non-Qualified Deferred Compensation

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Administrative Services
With one-stop shop vendors, their core business is the actual collecting and managing of assets. Plan administration is low on their list of priorities. 

CPD, on the other hand can act upon your inquiries quickly and expertly. Our professional, experienced Pension Consultants make the plan process easier and more efficient. You will be dealing with people who are intimately familiar with your company and your plan- and who can add value immediately. 

Our Pension Consultants attend numerous continuing education courses throughout the year to keep apprised of all legislative changes that many affect your plan. In addition, we educate all levels of staff, from receptionist to administrative assistant, to ensure you receive a consistent level of service anytime you contact our office.

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Regulatory/Compliance Issues
When legislative, regulatory or legal changes impact your retirement plan, you need specific guidance tailored to your situation. Whether it's dealing with 401(k) issues, problems with Form 5500s or challenges associated with the Pension Protection Act of 2006, you can rely on CPD as your regulatory and compliance experts. 

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Cost Factors
There's a false perception that the one-stop shop vendors offer services that are less expensive. The reality is that fees under this "bundled" format are generally not less expensive. They are, however, more difficult to break down, since fees are not assigned to any specific server. This can create confusion for you and makes it tough to determine if you are really getting value for your dollar for administrative services. 

Our fees are fully disclosed, which allows you to determine whether you are receiving appropriate value for the dollars you are spending. Adding value to that is the guarantee that you are getting attentive service form a core group of professionals who are personally aware of your company's needs. 

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