Business Investments / Business Retirement Services

Business Retirement Services

Retirement plans are among the most important benefits a company can offer its employees. At Frost, we know every employee, just like every business, is different. That’s why we work with you to create a retirement plan that meets your company’s unique needs, and the individual needs of your employees. We can also administer and manage your plan assets, and provide investment-planning services to your employees.

401(k) Plans

One of the most popular retirement vehicles for businesses that offers employees benefits such as:

  • Helps employees save for retirement
  • Taxes deferred on contributions and earnings until withdrawal
  • Investments can be a mix of mutual funds, company stock, individual securities, real estate and more
401(k) Plan details
403(b) Plans

Similar to a 401(k) and designed for tax-exempt organizations such as:

  • Public schools
  • Non-profits
  • Ministries
403(b) Plan details
Profit Sharing Plans

A defined contribution plan that:

  • Provides employer with discretion over profit sharing contributions
  • May be combined with a 401(k) plan
  • Features tax deductible contribution and plan expenses
Profit Sharing Plan details
Defined Benefit Plans

Pays a fixed, pre-established benefit to retired employees who meet minimum in-service requirements such as:

  • Tenure (years served) with the company
  • Salary level
  • Other factors determined by the plan, such as age
Defined Benefit Plan details
SIMPLE IRA

These plans are tax-deferred and are:

  • For employers with 100 or fewer eligible employees
  • For employers with no other retirement plan
  • Subject to annual contribution limits
SIMPLE IRA details
Money Purchase Pension Plans

Your company makes fixed annual contributions to each participating employee's individual account.

  • Contributions are mandatory
  • Employer defines eligibility
  • Contributions usually based on a percentage of employees' income
Money Purchase Pension Plans details
Non-Qualified Plans

Targeted to meet the specific needs of executives and other select employees.

  • Often used to provide additional compensation to key employees
  • May supplement qualified retirement plans for higher paid employees
Non-Qualified Plan details
SEP IRA

An ideal retirement program for self-employed people or small business owners due to high annual contributions limits and minimal administration.

  • Annual contributions are discretionary and tax-deductible to the employer
  • 100% immediate vesting
  • Any earnings grow tax-deferred until withdrawn
  • Fewer administrative requirements than qualified plans
SEP IRA details

We're here to help

To speak with a Frost wealth advisor, call 1-888-263-6480.