Business Retirement Plans

Build a stronger team and a stronger bottom line.

Plans that can work for you.

Retirement income helps your employees feel secure and valued, which can lead to stronger loyalty and retention. It’s a great way to attract top talent and show your team how much they matter.

There are plenty options, each with its own benefits for you and your employees. We’re here to help you find the one that fits your business, making everyone happy—from your team to your bottom line. For full details on each program, reach out to an Osaic Institutions Financial Advisor located at Fidelity Bank.

Simple IRA:

For Employees: They contribute, and the funds are immediately vested, meaning employees have full ownership right away.
For Employers: You’re required to contribute a specific percentage, but it’s simple to manage and provides a great benefit for employees.

SEP (Simplified Employee Pension):

For Employees: All eligible employees receive the same percentage contribution from the employer.
For Employers: You have flexibility each year in how much to contribute, and it’s easy to administer.

401(k):

For Employees: They contribute a portion of their salary to their retirement, which can grow tax-deferred.
For Employers: You can choose to match contributions or add more as an incentive, helping you attract and retain talent.

Profit Sharing:

For Employees: Contributions are made based on company profits, helping them feel invested in the company’s success.
For Employers: You decide how much to contribute based on company performance, giving you flexibility.

Money Purchase Pension Plan:

For Employees: Similar to profit-sharing, but employees benefit from consistent, reliable contributions each year.
For Employers: Required annual contributions give employees security, and the plan is easy to maintain.

Connect with an Osaic Institutions Financial Advisor located at Fidelity Bank today to explore all of our retirement options. We’ll help you select the plan that works best for your business.

Show them you're invested in their future.

Your goals are unique, and your financial plan should be, too. We work with you to create a plan that’s all about you—your needs, your future. With our C.A.R.E. process, we focus on your vision and build a clear strategy to help you achieve lasting results.

Connect with an Osaic Institutions Financial Advisor located at Fidelity Bank today and let’s build a plan to help you reach your goals with confidence.

*Neither Osaic Institutions or any of its representatives may give legal or tax advice. Consult your legal and/or tax advisor. Investment and insurance products and services are offered through Osaic Institutions, Inc. Member FINRA/SIPC. Osaic Institutions and the bank are not affiliated. Products and services made available through Osaic Institutions are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value. We do not provide tax advice. Investors should consult their tax professional for their particular situation.