Business & Employer Retirement Plans
Retirement Plan Options
Solo 401(k)
Designed for self-employed individuals and business owners with no employees (other than a spouse). Allows contributions in both employee and employer capacities, offering significant tax-advantaged savings potential within IRS limits.
Employer 401(k)
Allows employees to contribute a portion of their compensation as pre-tax and/or Roth contributions. Employers may add matching or profit-sharing contributions. Plan design and contribution structure can be customized within IRS guidelines.
SIMPLE IRA
Allows employees to make pre-tax contributions, with a required employer contribution (either matching or non-elective). Available to businesses with 100 or fewer employees.
SEP IRA
Allows employers to make tax-deductible contributions for themselves and eligible employees. Contributions are employer-funded and typically based on a percentage of compensation, subject to IRS limits. Commonly used by small businesses and self-employed individuals seeking a flexible contribution structure.
Our Plans Process
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Evaluate and Select an Appropriate Plan Provider
Our wealth manager meticulously selects the fund that has the right balance of benefits, fees, and expenses to support you and your retirement plan goals.
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Investment Review and Performance Monitoring
Investment management requires active and regular performance monitoring. Every quarter we perform in-depth reviews of your selected plan.
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Ongoing Plan Management
We are always prepared to act when sudden events influence the markets to change rapidly. You will be informed of all changes made to your plan.
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Participant Education
You will receive comprehensive support through semi-annual enrollment meetings and an annual educational meeting.
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Annual Contract Review
Desla provides employers with an annual meeting where we discuss all aspects of your retirement plan and its management—whether a 401(k), SIMPLE IRA, SEP IRA, or Solo 401(k)—to ensure you are satisfied with the performance, costs, and the level of employee confidence and engagement.
How Desla Supports You
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Plan Guidance and Selection
Our approach is hands-on—We walk you through each step, helping you identify the retirement plan that aligns with your goals while considering benefits, fees, and overall plan structure.
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Investment Oversight
Your plan’s investments receive continuous oversight to help ensure your portfolio remains aligned with your long‑term goals.
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Ongoing Plan Management
We actively monitor your plan and make adjustments when needed, providing timely communication and periodic updates so you always know where things stand. We remain available whenever you need us, ensuring you have clear, responsive support.
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Participant Education
You will receive comprehensive support through semi-annual enrollment meetings and an annual educational meeting.
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Annual Contract Review
Desla provides employers with an annual meeting where we discuss all aspects of your plan and its management to ensure you are satisfied with the performance, costs, and employee confidence in your plan.
Disclosures
**Investment advice offered through Desla Wealth Management, a registered investment advisor.
**There is no assurance any strategy will be profitable or protect against loss. Investing involves risks including loss of principal. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
