Americans aren’t very good savers – that’s no secret. Many workers wonder how they’re going to make it after they retire. Organizations of all sizes frequently offer a retirement plan for their employees – most of whom are tax-qualified and protected under ERISA, the law that governs retirement plans. But others don’t. 

According to the Bureau of Labor Statistics, 68% of workers in the private sector had access to a group retirement plan such as a 401(k). Of those workers who did have access to a retirement plan, only 52% were participating in it.

If you’re one of the many small businesses that still doesn’t offer a retirement plan, you could be missing out on tax advantages for yourself and your business. You may also find yourself subject to participation in one of many recently state-mandated Roth IRA programs designed to increase retirement savings. As an employer or solopreneur, you could be eligible to receive tax breaks for sponsoring a new group retirement plan or you may be able to reduce your business and personal tax liability based on your contributions. Retirement plans are an effective way for both employers and employees to save for greater financial security when they retire.

Having a retirement plan may also:

  • Attract new employees
  • Help you retain existing employees
  • Lead to greater employee satisfaction
  • May meet the requirements of state-mandated plans, some of which provide financial incentives for organizations that open their own employee retirement plan

We have options for organizations of all sizes. That said, as part of our process at Almacy Investments, we segment our clients by organizational size to narrow down which of our services may be most appropriate for you. 

  • Small businesses (self-employed and solo entrepreneurs): under 10 employees
  • Mid-sized companies: 10-100 employees
  • Large companies: 100+ employees

No matter the size of your organization, we offer a wide menu of plans you may want to establish with comprehensive plan design, investment advisory, and plan management services. 



  • Bonds
  • Common Stock
  • Educational IRA
  • Traditional IRA
  • Roth IRA
  • Simple IRA
  • Brokerage Accounts
  • Treasury Bills
  • Government Securities
  • Treasury Notes
  • Variable Annuity

Financial Planning

  • Retirement Planning
  • Education & College Planning
  • Estate Planning
  • Money Purchasing Plans
  • 401(k) Services
  • Profit Sharing Plans


  • Disability Income Insurance
  • Life Insurance
  • Long-Term-Care Insurance


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