For organizations that want clarity in their retirement obligations.

We only work with businesses that want fiduciary protection for themselves and their employees through high quality, low cost and hassle-free retirement plans. As a result, the Qualified Plans we design deliver stronger outcomes for business owners and plan participants compared to many legacy setups.

The following plan types are part of our Qualified Plan offering:

  • 401(k) Profit Sharing Plans. Includes fiduciary 3(16) plan administration, fiduciary 3(38) investment administration, and access to a credentialed fiduciary advisor for employee education, both on-site and remote.
  • Cash Balance Plans. Includes an option for specialized principal protected growth assets within the plan structure.

Each plan is structured based on business size, employee demographics, and long-term financial objectives, not based on generic templates.

Signs of a Well-Designed Qualified Plan

A properly structured Qualified Plan should serve both the employer and the employee, not just satisfy administrative requirements.

Below are indicators of a plan built with fiduciary discipline:

  • Plan decisions are guided by fiduciary oversight, not product convenience
  • Administrative responsibilities are clearly assigned and documented
  • Investment selection follows a structured fiduciary process
  • Costs are kept low and regularly reviewed for efficiency
  • Employee participation is supported through clear, ongoing education
  • The plan structure supports both retention and long-term savings behavior

A plan that meets these conditions does not just function. It protects the business and the people inside it. This is why fiduciary guidance is essential in Qualified Plan design, not optional.

Why Work With Thoughtful Advisors?

As an independent fiduciary firm, we are not tied to any single provider, which allows freedom in plan design. Our experience spans both qualified and non-qualified plans, supported by actuarial tax modeling partnerships that most plan advisors do not have access to. This allows us to approach plan design as a long-term financial strategy, and not just a compliance requirement.

Businesses that take retirement planning seriously need more than a provider. They need a fiduciary partner that treats plan design as a financial responsibility, not an administrative task.

Thoughtful Advisors approaches Qualified Plans with that level of discipline.

If your organization is reviewing its current plan or considering a new one, speak with a fiduciary professional about Qualified Plans. Get in touch with us today.