401k Plan Services

Are you or your company considering starting a retirement plan? If so, then consider Atlantic Financial in your decision making process. At Atlantic Financial, we help start, transfer and maintain retirement plans of all types, not just 401k plans. We work with companies both large and small. Clients of Atlantic Financial include companies and individuals throughout America. Atlantic Financial has a strong reputation for providing efficient and cost effective retirement plan services. And, we work to offer you the best investment for your plan and goals. For example, we offer over 18,000 mutual fund choices.

How Much Can You Contribute to Your Plan?

Self Employed 401k Plan

When investing in retirement plans, there are different contribution limits based on the plan itself. For example, in a self-employed 401k, the combination of your profit sharing and 401(k) salary deferral contributions cannot exceed $46,000 for the 2008 plan year or $49,000 for the 2009 plan year. Individuals 50 or older may defer an additional catch up contribution for a maximum contribution amount of $51,000 for 2008 or $54,500 for the 2009 plan year.

Stand-Alone Profit Sharing Plan or Money Purchase Plan
Your contribution can be up to 25% of compensation, not to exceed $46,000 for the 2008 plan year or $49,000 for the 2009 plan year.** The maximum compensation on which contributions can be based is $230,000 for 2008 and $245,000 for 2009. You may wish to consult your tax advisor for more information about your contribution amount.

Atlantic Financial offers over 18,000 mutual funds options to choose from - to meet YOUR plans needs.
Mutual Fund options offered by Atlantic Financial include Fidelity, Putnam, Dreyfus, Vanguard as well as many others.

Full service financial planning for all participants in your retirement plan

Full service administration (if requested, also available in unbundled format) Extremely competitive rates

Full service on-site compliance, enrollment, education and ERISA assistance

Although National Financial Services LLC, Member NYSE/SIPC, is our clearing firm, Atlantic Financial is not tied to any proprietary investments. This way, our clients choose which mutual fund or funds work best for their needs. We work with many mutual fund companies, such as Fidelity and Vanguard. A transition team assists you with all aspects of your 401k transfer and setting up your retirement plan. Ongoing service includes detailed reviews for each participant, employee education and many other services. Additional services include: employee education, objective monitoring, one-stop center for all corporate and employee questions about the retirement plan. Atlantic Financial saves trustees the time and work involved in many aspects of management of retirement plan.


In addition to our services, Atlantic Financial offers a guarantee. What other firm can say that? We offer a *90% enrollment guaranteed or we pay the first three years administration costs. (*Plans must have at least 30 employees and $8 million in assets with an average per participant balance of $30,000.)
Clients of Atlantic Financial include companies and individuals throughout America. We work with large and small companies, helping their employees to save for retirement, and educating them along the way. We help start, transfer and maintain retirement plans of all types, not just 401k plans. Atlantic Financial has a strong reputation for providing efficient and cost effective retirement plan services. We will help you select from over 18,000 mutual funds to locate the funds that best meet your needs.
401k Plan Service Features
Mutual Fund options include Fidelity, Putnam, Dreyfus, Vanguard and others
Why select from several fund choices when you can have them all? Enrollment Assistance
Financial Planning for all participants in your retirement plan
Administration Assistance (if requested, also available in unbundled format) Extremely Competitive Rates Full service on-site compliance, enrollment, education and ERISA assistance National Financial Services LLC, Member NYSE/SIPC, is our clearing firm Atlantic Financial is not tied to any proprietary investments.
We work with many mutual fund companies that other firms cannot such as Fidelity and Vanguard.
Transition Team for 401k Transfers
A transition team assists you with all aspects of your 401k transfer and setting up your retirement plan. Ongoing service includes detailed reviews for each participant, employee education and many other services. Additional services include: employee education objective monitoring one-stop center for all corporate and employee questions about the retirement plan We save trustees the time and work involved in many aspects of management of retirement plan.


Want to see what Atlantic Financial can offer your company through a Fidelity Advisor 401k Plan? Click this PDF document Fidelity Investments Fidelity Advisor 401k Plan Proposal Atlantic Financial PDF
Reduce Employee Turnover and Attract New Employees

How to Drastically Reduce Employee Turnover

You should consider a new 401k plan for your current employees and to help attract new employees.
One of the major concerns for employees today is "What happens when I retire?"
A new 401k plan provides the answer to that question AND the added benefit of a new 401k plan is that it can increase loyalty to the company.

Consider some of these additional features:

RETIREMENT INCOME - Your employees can take control of their retirement along with a possible source of income during times of financial hardship.


TAX SAVINGS - The money put into the new 401k plan may substantially reduce their current federal and state income taxes. The money is allowed to grow tax-deferred you don't pay taxes until the money is actually used.


CORPORATE SAVINGS - By matching part or all of what your employees set aside, your company can also cut back on taxes.
When you combine the benefits of a new 401k plan along with the flexibility of investing in a variety of options, you can attract new employees.
Atlantic Financial Inc. will totally design your plan, educate your employees, and provide all the necessary paperwork for enrollment.

Contact Atlantic Financial today or call 1-800-559-2900 for your review

Investment Selection

Another important aspect of plan setup to consider is selection of investment choices. Many plans that are cost effective for small growing companies are offered through mutual fund companies that are not known for outstanding performance. If your employees are particularly conscious about investment choices they will be more demanding about the quality of the investment selections within the plan. Unfortunately, many of the largest and most popular mutual fund companies such as Fidelity, Putnam and Vanguard require employee participation or dollar amount balance minimums that can make opening a plan prohibitive for a small company. Certain investment firms have alliances with many large mutual fund companies that allow waivers of the minimum number of employees and dollar amounts, thus making these types of well-known mutual fund plans available to smaller companies.

Be sure your 401k management team is up to date about
New 401k Laws

401k Plan Services | ERISA & Department of Labor Considerations | How to Set Up Your Plan

Employers:
Learn how a corporate 401k plan can reduce employee turnover.
"Retaining Quality Employees through a 401k Retirement Plan"

Financial Planning and Investment Services

Reduce employee turnover with 401k plans

We proudly offer 401k plans and other services from Fidelity Investments, please consider Atlantic Financial as your Fidelity 401k Plan Advisor

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