{"id":16,"date":"2023-03-09T18:41:21","date_gmt":"2023-03-09T18:41:21","guid":{"rendered":"https:\/\/stagefleek.com\/truretirement\/?page_id=16"},"modified":"2026-03-04T18:46:33","modified_gmt":"2026-03-04T18:46:33","slug":"service","status":"publish","type":"page","link":"https:\/\/stagefleek.com\/truretirement\/service\/","title":{"rendered":"Our Services"},"content":{"rendered":"<section class=\"l-section wpb_row us_custom_6e5bae22 height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container us_animate_afl\" style=\"animation-delay:0.3s\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><h1 class=\"w-post-elm post_title us_custom_55db6c80 has_text_color entry-title color_link_inherit\">Our Services<\/h1><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-6 wpb_column vc_column_container us_animate_afl\" style=\"animation-delay:0.3s\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column us_custom_9de87d4e\"><div class=\"wpb_wrapper\"><h2><strong>What We Do<\/strong><\/h2>\n<\/div><\/div>[vc_raw_html css=&#8221;%7B%22default%22%3A%7B%22margin-bottom%22%3A%221.5rem%22%7D%7D&#8221;]JTNDZGl2JTIwY2xhc3MlM0QlMjJncmVlbmxpbmUlMjIlM0UlM0MlMkZkaXYlM0U=[\/vc_raw_html]<div class=\"w-separator size_small\"><\/div><div class=\"w-tabs style_default switch_click accordion remove_indents\" style=\"--sections-title-size:1.5rem\"><div class=\"w-tabs-sections titles-align_none icon_chevron cpos_right\"><div class=\"w-tabs-section\" id=\"plan-design\"><button class=\"w-tabs-section-header\" aria-controls=\"content-plan-design\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Plan Design<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-plan-design\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p class=\"p1\">Retirement readiness is essential, so we don\u2019t subscribe to the \u201cone-size fits all\u201d approach. Our plans are tailored to meet the goals of your business and employees.<span class=\"Apple-converted-space\">\u00a0 <\/span>Our personalized approach starts with evaluating your retirement plan objectives, employee demographics, benefit levels and funding objectives.<span class=\"Apple-converted-space\">\u00a0 <\/span>This analysis enables us to custom design your retirement plan and incorporates options and features that match your desired objectives. The types of plans we design and administer are:<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p class=\"p1\"><strong>Defined Contribution Plans:<\/strong><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><span class=\"s1\"><\/span>401(k) Plans<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>403(b) Plans<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>Profit Sharing Plans<\/li>\n<li>Money Purchase Pension<\/li>\n<\/ul>\n<p><strong>Pension Plans:<\/strong><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><span class=\"s1\"><\/span>Defined Benefit Plans<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>Cash Balance Plans<span class=\"s1\"><\/span><\/li>\n<\/ul>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p class=\"p1\"><b>Defined Contribution plans <\/b>is a retirement plan where both employers and employees can contribute to an individual account. Benefits are based on how much is contributed and the plan\u2019s investment performance.<span class=\"Apple-converted-space\">\u00a0 <\/span>Employer contributions are tax deductible and contributions and investment earnings grow tax deferred.<\/p>\n<p class=\"p1\"><b>Defined Benefit plans<\/b> offer a stream of monthly income consisting of its benefit payable upon retirement.<span class=\"Apple-converted-space\">\u00a0 <\/span>These plans are written with provisions defining the benefit that will be paid, the form(s) of payment in which the benefit can be paid, retirement age and many other factors.<span class=\"Apple-converted-space\">\u00a0 <\/span>An actuary determines the annual contribution to the plan to ensure there is sufficient money at retirement age to pay for the monthly benefits.<\/p>\n<p class=\"p1\"><b>Cash Balance<\/b> plans provide a pay formula that determines the amount of money credited to an employee\u2019s account each year. The pay formula consists of an employer contribution and a guaranteed rate of return.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"installation\"><button class=\"w-tabs-section-header\" aria-controls=\"content-installation\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Installation<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-installation\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p class=\"p1\">After the planning and design process, we prepare all the necessary plan documentation to install the plan. Our implementation team navigates the entire installation process to ensure a smooth transition.<span class=\"Apple-converted-space\">\u00a0 <\/span>This includes but is not limited to collaborating and working cohesively with your accountant, investment advisor, custodian of plan assets and record-keeper to ensure the plan is successfully installed.<span class=\"Apple-converted-space\">\u00a0 <\/span>Our team also spearheads the onboarding process: employee communication, plan materials and education, participant enrollment meetings and we assist your internal staff and\/or payroll company with any payroll set up for employee contributions.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"1679334120043-12b80652-944d\"><button class=\"w-tabs-section-header\" aria-controls=\"content-1679334120043-12b80652-944d\" aria-expanded=\"false\"><div class=\"w-tabs-section-title\">Administration<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-1679334120043-12b80652-944d\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\" id=\"administration\"><div class=\"wpb_wrapper\"><p class=\"p1\">Pension Architects is a full-service Third-Party Administrator (TPA) for company retirement plans. We also provide certain limited services for other TPAs and their clients on the East and West coast.<\/p>\n<p class=\"p1\">As a full-service TPA, we manage the on-going administration of the plan. We not only crunch numbers, but we also perform the on-going consulting, compliance testing, administration and prepare the annual government reports for your company\u2019s retirement plan. We calculate employer discretionary, required and matching contributions.<span class=\"Apple-converted-space\">\u00a0 <\/span>We calculate retirement plan vesting, loans and participant distributions.<span class=\"Apple-converted-space\">\u00a0 <\/span>For pension plans, our actuary calculates and sets funding targets, calculates and prepares PBGC filings, and certifies Schedule SB and AFTAP.<span class=\"Apple-converted-space\">\u00a0 <\/span>Our services include:<\/p>\n<\/div><\/div><div class=\"wpb_text_column\" id=\"administration\"><div class=\"wpb_wrapper\"><p><strong>Plan Administration &amp; Consulting Services:<br \/>\n<\/strong><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><span class=\"s1\"><\/span>Eligibility Determination<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>Annual Plan Valuation<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>Consulting<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>Calculation of Matching Contributions<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>Calcualtion of Discretionary Contributions<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>Determination of contribution amount<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>Plan Distributions<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>Participant Loan Calculations with Promissory Note &amp; Amortization Schedule<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>Reconciliation of Plan Assets<\/li>\n<\/ul>\n<p><strong>Documentation &amp; Reporting:<br \/>\n<\/strong><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><span class=\"s1\"><\/span>Preparation of plan documents<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>Summary Plan Description<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>Plan Amendments<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>Plan Restatements<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>Request IRS letter of determination<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>Preparation of participant benefit statements<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>Prepare Form 5500 and related schedules<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>Preparation of Schedule SB, AFTAP, Forms PBGC, 1099R and Schedule 8955-SSA<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>5500 Audit Support<\/li>\n<\/ul>\n<p><strong>Compliance:<\/strong><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><span class=\"s1\"><\/span>Annual compliance testing<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>Audit Representation (Internal Revenue Service &amp; Department of Labor)<\/li>\n<li class=\"li1\"><span class=\"s1\"><\/span>Voluntary Correction Program (VCP) support<\/li>\n<\/ul>\n<p><strong>\u00a0<\/strong><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_col-sm-6 wpb_column vc_column_container\"><div class=\"vc_column-inner type_sticky\"><div class=\"wpb_wrapper\"><div class=\"w-image align_none\"><div class=\"w-image-h\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/i0.wp.com\/stagefleek.com\/truretirement\/wp-content\/uploads\/2026\/01\/image-services.png?fit=1024%2C683&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/stagefleek.com\/truretirement\/wp-content\/uploads\/2026\/01\/image-services.png?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/stagefleek.com\/truretirement\/wp-content\/uploads\/2026\/01\/image-services.png?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/stagefleek.com\/truretirement\/wp-content\/uploads\/2026\/01\/image-services.png?resize=750%2C500&amp;ssl=1 750w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"Our ServicesWhat We Do [vc_raw_html css=\"%7B%22default%22%3A%7B%22margin-bottom%22%3A%221.5rem%22%7D%7D\"]JTNDZGl2JTIwY2xhc3MlM0QlMjJncmVlbmxpbmUlMjIlM0UlM0MlMkZkaXYlM0U=[\/vc_raw_html]Plan DesignRetirement readiness is essential, so we don\u2019t subscribe to the \u201cone-size fits all\u201d approach. Our plans are tailored to meet the goals of your business and employees.\u00a0 Our personalized approach starts with evaluating your retirement plan objectives, employee demographics, benefit levels and funding objectives.\u00a0 This analysis enables us to...","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-16","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Our Services - My Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/stagefleek.com\/truretirement\/service\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Our Services - 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