Solo 401k




Profit Sharing Plan

Cash Balance Pension Plan

We get it

As a business leader with countless other priorities, it can be difficult to devote the time needed to set up or manage a retirement plan yourself. With so many plan options and providers it may not be clear which type of plan or provider would work best for you.

Customized to Your Business

At CB Capital, we help businesses of all sizes design and implement customized, tax-deferred, and easy-to-navigate retirement plans of all types. We can design a new plan or evaluate and transition an existing plan.

We serve as the financial advisor and as your plan’s quarterback, coordinating the activities of all parties involved; the third-party administrator (TPA), the recordkeeper, the plan sponsor (company owner) and the participants (your employees).

Complete Solution

We offer an end-to-end solution working with our national partners to provide all of the required components of a company retirement plan including:

• Custom plan design to support the business owner’s goals
• Third party administration
• Recordkeeping
• Secure participant portal
• Custody of assets
• Payroll integration with major payroll providers
• Creation and implementation of a custom Investment Policy Statement (IPS)
• Selection and ongoing monitoring of plan investment options
• Employee education and financial planning, provided in-person or remotely
• Quarterly monitoring and analysis of your plan performance and efficiency

Participant Education

Typically, when employees enroll in a 401(k) plan, they are overwhelmed by long lists of fund choices and investment alternatives. Working with CB Capital means working with a plan partner focused on providing participants with clear, diversified investment options, and the guidance required to choose the investments that align best with their retirement savings goals.

This approach helps demystify the complications of retirement planning, making it easier for your employees to make smarter decisions about their futures.

We provide all the support your employees will need to educate them on the value of your 401(k) plan as part of our core service to you. This includes group and individual meetings, investment guidance and more.

We focus our efforts in areas that can make the most impact to increase participation levels as well as savings rates. This will lead to increased employee satisfaction which can lead to higher productivity and employee retention.

Fiduciary Liability

As the business owner you are the plan sponsor for your company’s retirement plan, and by default you are deemed a fiduciary to your plan participants (employees). This means that you are held legally to the standard of an investment professional, and that you are liable to ensure that you follow a prudent process when selecting and monitoring the investment options in your plan.

The Employee Retirement Income Security Act (ERISA) allows you to delegate that responsibility to an independent firm. Many plan sponsors are unaware of this option, and many service providers are not willing to serve in this fiduciary capacity.

When you work with CB Capital, we will serve as the 3(38) fiduciary for the plan and transfer that liability from you to us. This includes following all ERISA guidelines when developing and maintaining the investment lineup and always placing the interests of the plan participants ahead our own.

Next steps

We offer a free, no obligation initial consultation and review of your existing plan including the fees you’re being charged, your plan design, the level of service you’re receiving, and the specific investment options your plan offers. To start the conversation, please contact us.