Let’s Engineer Your Perfect Retirement Strategy
Connect directly with retirement experts specializing in high-deduction Safe Harbor 401(k), Cash Balance, and Defined Benefit combos. Skip the Call Centers. Speak directly to Melville’s premier Third-Party Administration (TPA) authority.
Smart Retirement Plan Estimator
CPAs & Business Owners: Fine-tune employee metrics to find the ideal qualified plan layout before reaching out.
Adjust Company Metrics
Actuarial Tip: When owner deduction needs exceed $70,000, combining a 401(k) with a Cash Balance Defined Benefit Plan can dramatically boost tax deferrals.
Recommended Plan Architecture
Safe Harbor 401(k) + Cash Balance Combo
Maximized Owner Allocations while passing critical ADP/ACP non-discrimination compliance testing.
Permitted Cross-Tested profit sharing formula to selectively target key corporate officers.
Automated year-end contribution reporting with integrated payroll connectivity.
Estimated Potential Tax Savings
(Assuming 37% federal tax bracket)
Get in Touch Directly
Speak directly with a Third Party Administrator. Skip automated call trees. Brett Goldstein and the advisory partners are on standby.
Select Your Profile for Direct Lines
Primary Direct Office Phone
516-346-2999
Secure Client Inbound Desk
info@thepensiondepartment.com
The Pension Department, Inc.
Head Office & Consult Suites
534 Broadhollow Road, Suite 300
Melville, New York 11747
Consultation Encrypted & Logged
Thank you for reaching out, . Brett Goldstein or a senior actuary partner will review your current plan metrics for and respond within 2-4 business hours.
The 3-Step YES Program
Every single retirement sponsor we serve is taken through a structured, highly communicative roadmap designed to maximize clarity and minimize payroll anxiety.
Understanding Your Needs
We deep-dive into corporate structures, partner profiles, and salary distribution matrices. No pre-packaged packages. We analyze exactly what plan architecture benefits you the most.
Clear & Empathetic Communication
No confusing ERISA jargon. We present our findings alongside your accounting team or financial advisors in straightforward financial logic. You maintain total alignment at each step.
Ongoing Continuous Support
As rules change and tax limits shift, your retirement layouts adapt seamlessly. From annual Form 5500 filings to complex cross-tested audits, your TPA is by your side year-round.
Expert FAQ Insights
Essential guidelines for business sponsors, financial advisors, and CPAs working with qualified plans.