Employer Sponsored Retirement Plans

Simple, Tailored Solutions for Your Business and Employees

Running a business means making hard financial decisions, and one of the biggest is structuring a retirement plan that balances:

  • Tax Advantages – Maximizing deductions while keeping more of what you earn.
  • Employee Retention – Offering competitive benefits to attract and keep top talent.
  • Owner Incentives – Ensuring you, as a business owner, aren’t leaving money on the table.

At Spectrum Strategic Capital Management, LLC (SSCM), we help business owners navigate these trade-offs—ensuring your retirement plan is more than just a regulatory requirement but a strategic financial tool.

Choosing the Right Plan for Your Business

The right retirement plan isn’t one-size-fits-all. We work closely with business owners and plan providers to evaluate:

  • Traditional 401(k) vs. Safe Harbor Plans – Is avoiding annual testing worth the employer match requirement?
  • Profit Sharing & Cash Balance Plans – Should you add flexibility for variable contributions based on cash flow?
  • New Comparability & Cross-Tested Plans – Does segmenting contributions help you maximize benefits while staying compliant?

We collect and analyze the financial and employee data needed to determine whether a plan study makes sense—but more importantly, we help you interpret the results and decide which structure best supports your financial goals.

Fiduciary Investment Oversight

Once the optimum plan structure is in place, we provide investment management to ensure long-term growth and compliance:

  • A 3(21) Co-Fiduciary Advisor – We guide investment selection and policy while you maintain decision-making control.
  • A 3(38) Discretionary Investment Manager – We take full responsibility for investment selection, monitoring, and adjustments, reducing the burden on you.

Why Spectrum?

  • We simplify complexity. Retirement plans can be overwhelming—we break it down and give you clear options.
  • We act in your best interest. As fiduciaries, we ensure your plan works for you and your participants, not just your provider.
  • We actively manage your plan. A well-structured plan only works if managed properly—we keep it aligned with your participants goals and market conditions.

Let’s Build a Smarter Retirement Plan

Your retirement plan should work for your business, not against it. Schedule a consultation today to explore how we can structure a plan that benefits both you and your employees.