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Retirement Plans 

Retirement Plans are useful for both employees and employers, as they present benefits like savings directly deducted from your paycheck, tax breaks and, in some cases, an employer matching of your contributions. (Hello, free money!) We work with you to help choose and manage the right kind of plan for your particular business. Whether it is a Simple IRA plan for 3 employees or a 401(k) for 400, we can target the platform that works best for you. 

It doesn't stop there. We believe in direct and frequent communication. Face-to-face meetings may be on hold, but we think we are getting pretty adept at zoom meetings. 

For plan sponsors we provide:

  • Annual plan review meetings

  • Resources and services for all employee participants

  • Enrollments

  • Participant educational opportunities

For plan Participants we provide:

  • Participant review meetings

  • Financial education

  • Opportunity for a broader financial review

Meet Your Retirement Plan Team 

Tyler Wood 

Tyler Wood 

Tyler Wood leads the Client Centered Financial Retirement Plan division. He provides ongoing communication with plan sponsors, schedules site visits, plans reviews and helps identify and resolve any problems or issues. You can contact Tyler at 802-598-9942 or email, tyler@ccf-vt.com

Debra Plumley 

Debra Plumley 

Debra Plumley recently joined the Retirement Plan side of Client Centered Financial after working on the Financial Planning side for 10 years. She brings years of experience and expertise to help answer your questions and resolve any issues. You can contact Deb at 802-651-6928 or email her at deb@ccf-vt.com 

Retirement Plan Options 

401(k) Plan

A 401(k) plan is a type of defined contribution plan that allows employee salary deferrals and/or employer contributions.

Simple 401(k) Plan

This plan is a type of defined contribution plan that is available to small business owners with 100 or fewer employees. Under a SIMPLE 401(k) Plan, an employee can elect to defer some compensation. Unlike a standard 401(k) plan, the employer  must make: (1) a matching contribution up to 3% of each employee's pay, or (2) a non-elective contribution of 2% of each eligible employee's pay.

Simplified Employee Pensions (SEPs)

Simplified Employee Pensions (SEPs) provide an easy way for employers to make contributions to a retirement plan for their employees. Instead of setting up a profit-sharing or money purchase plan with a trust, employers can adopt a SEP agreement and make contributions directly to an individual retirement account or an individual retirement annuity created for each eligible employee.

SIMPLE IRA plan

A SIMPLE IRA plan allows some small employers (including self-employed individuals) to set up a tax-favored retirement plan for their employees' benefit. This plan is a written, salary reduction agreement that allows employers to contribute salary reductions to a SIMPLE IRA on behalf of eligible employees.


Access your Business Retirement Plan Account

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