Practical savings programs that support employees while strengthening business retention.

Nearly 57 million people, or 48 percent of U.S. private-sector employees aged 18 to 64, work for employers that do not offer a traditional pension or a retirement savings plan, according to a study released by AARP.

Many of these workers want to save. They just have no structure or access through their employer. Without a plan in place, long-term financial pressure increases for households and retirement readiness continues to decline.

Thoughtful Advisors believes all workers should have the opportunity to build a thoughtful savings plan for themselves and their families. Savings solutions are designed to fit different budgets, business sizes, and workforce structures without adding unnecessary strain on employers.

When businesses do not offer savings plans or pensions, employee morale can be adversely affected and retention will be harder. Financial stress affects productivity. Talent looks elsewhere for stability. Over time, this creates operational and cultural risk that is avoidable with the right structure in place.

How We Can Support You

We help businesses establish and manage employee savings strategies aligned with workforce needs and cost considerations as well as long-term objectives.

Support under this category includes structured planning and design for:

  • Qualified Plans. Employer-sponsored retirement plans that meet IRS requirements and receive specific tax advantages.
  • Non-Qualified Plans. Customized benefit arrangements for selected employees or leadership that offer flexibility beyond standard retirement plans.

Each plan type is evaluated through a fiduciary lens. The focus is not on adopting plans for appearance. It is on designing benefit structures that employees can understand, value, and realistically use.

Why Businesses Work With Us

  • Fiduciary responsibility to act in the best interest of clients
  • Experienced in designing savings plans suitable to any budget
  • Tax-smart planning focus across employer and employee strategies
  • Independent firm with flexibility to select appropriate solutions
  • Collaboration with CPAs and legal advisors when needed

Thoughtful Advisors provides benefit plan strategies that are aligned with the needs of businesses for clarity, structure, and realistic solutions that fit their workforce and financial position.

If your organization wants to strengthen employee stability through meaningful savings opportunities, speak with a fiduciary professional about Employee Benefit Plans.

Contact a Fiduciary Planner today.