401(k) Plans
We help evaluate individual and employer 401(k) plans based on business structure, eligibility, and goals. Plan design should consider both owner priorities and employee participation.
Get In TouchBusiness & Workplace Plans
A thoughtful retirement plan can support your employees and your own financial future. We help business owners and organizations evaluate workplace plans that fit their goals, team, and resources.
403(b) Plans
For eligible educational and nonprofit organizations, we help explore 403(b) plan options and how they can support employees as they prepare for retirement.
Get In TouchBusiness Plan Management
We provide guidance on plan design, onboarding, and employee education, helping your organization work through the details of offering and maintaining a retirement benefit.
Get In TouchExecutive Compensation Strategy
We help you think through ways to reward key employees and support retention. Compensation planning should reflect your business goals and connect with the broader benefits strategy.
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Compare Retirement Plans for Your Business
The right starting point depends on your business and workforce. We help you evaluate relevant options, including 401(k), SEP IRA, and SIMPLE IRA plans. Employer contributions, administrative needs, and employee eligibility all deserve consideration when comparing approaches.
Help Employees Understand Their Benefits
A retirement benefit becomes more useful when employees understand it. We support onboarding and education so your team can better understand participation, contributions, and the choices available within the plan. Clear explanations help people take a more active role in their future.
Plan for Owners and Key Employees
Your business goals and personal financial goals are closely connected. We help you consider retirement benefits and executive compensation strategies in that broader context, with attention to rewarding key people and planning for your own future as an owner.
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A Practical Approach to Workplace Benefits
Start with your business and the people behind it.
We take time to understand your team, budget, and priorities before discussing a plan. You get guidance that helps explain the options and what each could mean for your organization.
Offering a retirement plan is a meaningful commitment to your team. We help you approach that responsibility with clear communication and attention to your business goals.
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Retirement Plans for Different Organizations
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Give your workplace retirement plan a clear direction.
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Business Retirement Plan Questions, Answered
Choosing a workplace retirement plan raises plenty of questions before you commit. Here are the ones Cincinnati and Northern Kentucky business owners ask us most.
What are business and workplace retirement plans?
Business and workplace retirement plans are employer-sponsored programs designed to help employees save for retirement while supporting the financial and organizational goals of the business.
What types of workplace retirement plans does Schmidt Wealth Management help with?
Schmidt Wealth Management helps businesses evaluate retirement plan options including 401(k), 403(b), SEP IRA, and SIMPLE IRA plans, depending on the organization’s structure, employees, and goals.
What is a 401(k) plan?
A 401(k) is an employer-sponsored retirement plan that allows eligible employees to save for retirement through the workplace. Plan design can take into account employer objectives, employee eligibility, participation, and contribution considerations.
What is a 403(b) plan?
A 403(b) is a retirement plan generally available to eligible employees of certain educational organizations, nonprofits, and other qualifying employers. Schmidt Wealth Management helps eligible organizations evaluate 403(b) options.
How do I choose the right retirement plan for my business?
The right plan depends on factors such as your business structure, workforce, employee eligibility, employer contribution goals, administrative requirements, and overall objectives. Comparing available options can help identify an appropriate starting point.
Can Schmidt Wealth Management help employees understand their retirement benefits?
Yes. The firm supports employee onboarding and education to help employees better understand participation, contributions, and the choices available within their workplace retirement plan.
Can workplace retirement planning help business owners and key employees?
Yes. Workplace retirement planning can be considered alongside an owner’s personal financial goals and strategies for rewarding and retaining key employees.
Does Schmidt Wealth Management help with executive compensation strategies?
Yes. The firm helps business owners consider executive compensation strategies that can support key employees and connect with the organization’s broader benefits and business goals.