Creative Plan Designs

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

Since 1974, the experts at CPD have specialized in customized retirement planning for owners of small to mid-sized businesses. Our plans provide maximum tax savings and worry-free retirement. We are leaders in cutting-edge plan designs guaranteed to offer 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 laws 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)
• Non-Qualified Deferred Compensation
• Cafeteria Plans

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, does not sell product nor collect assets. Our professional, experienced Pension Consultants make the process easy and efficient. You will deal with people who are intimately familiar with your company and your plan and add immediate value.

Our Pension Consultants attend numerous continuing education courses throughout the year to stay up-to-date with all legislative changes that may affect your plan. In addition, we educate all levels of staff, from receptionist to administrative assistant, to guarantee that you receive a consistent level of service anytime you contact our office.

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 5500 or challenges associated with the Pension Protection Act of 2006, you can rely on CPD as your regulatory and compliance experts.

Cost Factors
There's a false perception that the one-stop shop vendors offer TPA services that are less expensive. However, the reality is that fees under this "bundled" format are generally not any cheaper. Instead, they are more difficult to find and break down, since the fees you pay are not assigned to any specific server. This can create confusion for you and make it harder to determine if you are really getting value for your administrative service dollar.

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

Guest Speaking Opportunities
Coming soon!