Business Retirement Services

Business Retirement Firm in Ridgefield, CT

As a business owner or non-profit organization, you often must deal with financial decisions that affect the present or near future, like employee wages and daily expenses. Long-term concerns, like retirement, are often overlooked. In fact, a 2017 survey on small business owners found that a third of the respondents did not have a retirement plan. However, there will come a day when you and your workers need to call it quits. When it does, you will need enough savings to support your lifestyle and health.

At Envest Management, LLC, we will help you plan for the future with our business retirement services in Ridgefield, CT or or wherever you’re located throughout the U.S. using our virtual services. We offer sustainability and social responsibility-focused Business 401k and Simplified Employee Pension Individual Retirement Arrangement (SEP-IRA) plans for your company and 403b plans for Non-Profit Organizations.

Business 401(k) Plan

The 401(k) plan is a popular choice for business owners in Ridgefield, CT and throughout the U.S. because of its flexibility and investment opportunities. You can choose to provide contributions to your workers’ accounts in exchange for tax deduction benefits. You and your employees can also grow your money through money market funds, and mutual funds and exchange traded funds that hold stocks, bonds, and more. And working with Envest Asset Management, LLC, you will be sure that investment options will be sustainable, in-line with environmental and social values of your organization and its employees.

Despite the many benefits of the 401(k), it requires a lot of careful planning and documentation to set up correctly. You need to adopt a written plan document, set up a trust for your plan’s assets, create a recordkeeping system, and provide an information package for employees joining your plan.

Once you have set up your plan, you also need to manage its different tasks like participation, vesting, investing, fiduciary responsibilities, distributing benefits, reporting to agencies, and more. Our team will take care of all these tasks for you, so you can focus on improving your core business.

SEP-IRA Plan

A SEP-IRA plan allows you to make tax-deductible contributions on behalf of your employees. It provides a wide variety of benefits, especially to small businesses and self-employed individuals.

It is simpler and more affordable to set up and operate than other pension plans. It also has a higher annual contribution limit than traditional IRAs. If you do have employees, your contributions toward their pensions are vested instantly, which means they get unconditional entitlement over it. And employees manage the investment decisions in their SEP IRAs.

We can set up and operate Ridgefield, CT business’s SEP IRA plans or a SEP IRA plans for organizations located throughout the U.S. using our virtual services so can you make the most of your contributions and investments.

403b for Non-Profits and their Employees

Like a 401k plan, a 403b is a retirement plan. However, these can only be used by organizations that are tax-exempted, like churches, schools, and non-profits. The employees can also grow their money through mutual funds, and we will make sure to select diversified investment options that also provide solutions for sustainability and environmental protection that you want.

Our ESG and SRI Approach

At Envest Asset Management, LLC, we use Environmental, Social, and Governance (ESG) and Socially Responsible Impact (SRI) strategies for investments.

ESG involves seeking and investing in companies that not only provide large financial returns, but also offers products and services that improve sustainability and protect the environment. Such businesses must also provide ethical treatment and compensation for their employees.

SRI, on the other hand, leans more towards the social aspect of the company. With an SRI strategy, you invest in businesses that lobby for social justice or offer products and services that contribute to it. It also involves avoiding companies that have negative effects on society at large, like tobacco, alcohol, weapons, and gambling corporations.

Envest Asset Management, LLC helps you choose, set up, and operate your business retirement plan efficiently. We also make sure you’re using the investment opportunities in those plans to support companies that make the world a better place.

 Schedule a free meeting today.

Contact Us Today

Envest Asset Management, LLC (“EAM”) is a registered investment adviser offering advisory services in the State(s) of CA, CT, and PA, and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by EAM in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption.

All written content on this site is for information purposes only. Opinions expressed herein are solely those of EAM, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties’ informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.

TD Ameritrade, Inc. is the firm that we use to custody our client assets. TD Ameritrade and Envest Asset Management, LLC, are separate and unaffiliated firms, and are not responsible for each other’s services or policies. TD Ameritrade does not endorse or recommend any advisor and the use of the TD Ameritrade logo does not represent the endorsement or recommendation of any advisor. Brokerage services provided by TD Ameritrade Institutional, Division of TD Ameritrade, Inc., member FINRA/SIPC. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. Used with permission.

Copyright © 2020 Envest Asset Management LLC. All Rights Reserved