Retirement Plan Features

Customize your company’s retirement plan to meet your individual and business needs.

Add-On Plans

Roth Contributions

Employer Contributions

Plan Parameters

Roth Contributions

A Roth option allows you and your employees to pay taxes on your retirement savings now, instead of when you take distributions in retirement. Providing a Roth option may reduce the overall taxes paid over the life of the investment and is an important part of a tax diversification strategy.

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Visual	Audio
A title screen appears, “Tax Diversification.” A woman begins to speak.	Woman: You diversify your investment portfolio. It makes sense to also diversify your tax liability
A bar graph appears on the screen with one bar being Tax Deferred 401k and the other After Tax Roth. The woman continues to speak	Woman: Adding a Roth feature allows participants to contribute to two types of accounts a tax deferred 401 K and an after Tax Roth account
A box appears reading “More retirement income.” A pair of binoculars appear with a box reading “Fewer taxes.” The woman continues to speak.	Woman: enabling participants to contribute to tax deferred and after tax accounts creates tax diversification, which can increase retirement income and can reduce overall taxes paid over the life of the investment. Schedule a consultation to learn more about how Fisher can help your employees save more toward their retirement goals.
A closure screen appears, “Fisher Investments 401k solutions. Investing in securities involves a risk if loss. Intended for the use of employees considering or sponsoring retirement plans; not for personal use by plan participants.”	[Music]

Plan Parameters

There are four main parameters that plan sponsors can designate for their plan.

Vesting: Decide how quickly your employees fully own employer contributions.
Automatic Enrollment/Escalation: Determine whether employees will be automatically enrolled in the plan and registered for annual contribution increases.
Loans: Enable participants to borrow against their vested balance.

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Visual	Audio
Upbeat music	Fisher Investments® 401(k) Solutions
Female Voice: “We act as a consultant and can help you improve your plan. Fisher will analyze your current plan features and help you identify improvement opportunities to improve plan outcomes for plan participants, the business, and the business owner. Some of the plan features that we analyze include: Eligibility- which determines which employees can join the plan and when. Vesting- which determines how quickly your employees fully own employer contributions. Automatic enrollment and escalation- which determine whether employees will be automatically enrolled in the plan and registered for annual contribution increases.
Loans- enable participants to borrow against their vested balance. Enabling loans can improve employee participation.
Contact Fisher for a free plan analysis today.	Fisher Investments 401(k) Solutions. © 2021 Fisher Investments. Investing in securities involves the risk of loss. Intended for use by employers considering or sponsoring retirement.

Compare Popular Features

Customize your employer-sponsored retirement plan to meet the unique needs of your business.

Attract and retain talent
Reduce cost
Increase owner and employee tax savings
Improve employee participation and savings rates

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Auto Enrollment Case Study

How a Business Can Increase 401(k) Savings Rates with a Simple Plan Feature

See how this 50-employee tech company improved plan participation and employee savings, while also allowing owners to increase their own contributions.

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