Strategic Retirement Plans for Business Owners

We design and oversee retirement plans that support both your business and your broader wealth strategy

As a business owner, your retirement plan is more than an employee benefit — it is a powerful planning tool. We help entrepreneurs and professional practices design and manage retirement plans that align with personal financial goals, tax strategy, and long-term wealth planning.

Schedule a Consultation

Retirement Plan Structures Designed Around Your Business

The right retirement plan depends on your income structure, employee base, tax objectives, and long-term goals. We evaluate plan design strategically — ensuring it supports both your business growth and your personal wealth planning.

Solo 401(k) Plans

Designed for business owners with no full-time employees. Solo 401(k) plans allow for flexible, tax-efficient contributions and coordinated investment management within your broader financial strategy.

SEP-IRA Plans

A simplified retirement plan option often suited for self-employed individuals and small businesses seeking contribution flexibility and administrative efficiency.

Small Group 401(k) Plans

Structured retirement plans for growing businesses with less than 100 employees, offering disciplined investment oversight and ongoing fiduciary guidance for plan sponsors.

Cash Balance & Defined Benefit Plans

Advanced retirement plan structures that allow higher contribution levels for business owners seeking accelerated tax deferral and long-term retirement accumulation.

Integrated with Your Broader Wealth Strategy

For business owners, retirement plan design should not exist in isolation. Contribution strategies, investment allocation, liquidity planning, and tax considerations must work together within your broader financial strategy.

We coordinate retirement plan decisions with your personal investment management, cash flow planning, and long-term objectives — ensuring your business and personal planning remain aligned.

We frequently collaborate with your CPA and other trusted professionals to help ensure retirement plan strategies support overall tax efficiency and long-term wealth planning.

Fiduciary Oversight & Ongoing Monitoring

As a fiduciary retirement plan advisor, we provide disciplined oversight of retirement plan investments and ongoing evaluation of plan structure. Our process includes periodic investment review, fee awareness, and thoughtful alignment with evolving business and personal objectives.

Retirement plans are not static. As your business grows and your financial goals evolve, we help ensure your plan remains structured, compliant, and aligned with long-term strategy. For ERISA-governed retirement plans, fiduciary structure matters.

Why Choose a 3(38) Fiduciary

The 3(38) Advantage: Discretionary Investment Oversight

Navalign serves as a 3(38) Investment Fiduciary for all ERISA retirement plans we advise. In this role, we assume full discretionary authority for selecting, monitoring, and replacing plan investments. This structure allows plan sponsors to formally delegate investment decision-making responsibility while maintaining appropriate oversight of the plan.

Why It Matters:
Under ERISA, plan sponsors are responsible for the prudent selection and ongoing monitoring of plan investments. A 3(21) advisor provides recommendations, but the plan sponsor retains final authority and related fiduciary responsibility.

By contrast, a 3(38) fiduciary accepts discretionary authority and assumes responsibility for investment selection and monitoring. This delegation can significantly reduce a sponsor’s fiduciary exposure related to investment decisions.

Our 3(38) Fiduciary Services Include:

Full discretionary investment authority
Investment Policy Statement (IPS) development and maintenance
Documented fiduciary process and audit trail
Ongoing investment monitoring and due diligence
Periodic performance reporting
Fee benchmarking and cost analysis

Support for Small Group Plan Sponsors

If your business sponsors a retirement plan for employees, we provide structured guidance for plan design, investment menu oversight, and service provider evaluation. Our role is to help strengthen plan governance while maintaining clarity, discipline, and cost awareness.

We also support participant communication efforts, helping employees better understand their retirement benefits and investment options.

Who We Serve

Retirement Plans for Business Owners

Our employer retirement plan services are designed for:

Solo entrepreneurs and self-employed professionals seeking strategic retirement accumulation
Married couples and business partners coordinating contribution strategies
Small businesses balancing owner retirement goals with employee benefit design
High-income professionals implementing advanced contribution strategies
Business owners incorporating retirement plans into long-term succession planning
Companies with existing plans seeking stronger fiduciary structure and disciplined oversight

If you’re a business owner who wants to maximize tax savings, accelerate retirement wealth, and protect yourself from fiduciary liability, we can help.

Explore Who We Serve

Let’s Start the Conversation

If you are evaluating retirement plan strategy for your business and want disciplined, fiduciary guidance integrated with your broader financial planning, we welcome the opportunity to speak with you.