Business owners
401(k) planning resources for business owners
Directory
Resources by state and metro
Metro names identify an audience and state context. They do not identify a local office.
- CaliforniaLos AngelesCompare CalSavers with an employer-sponsored retirement plan, review payroll responsibilities and prepare a practical 401(k) discussion for your Los Angeles business.
- TexasHoustonStart a Houston business retirement-plan review with Texas benefit guidance, workforce eligibility questions, provider responsibilities and written cost comparisons.
- FloridaMiamiConsider retirement-plan choices for a Miami business, distinguish Florida proposals from active requirements and prepare clear employee and payroll communications.
- IllinoisChicagoUnderstand My Illinois Savings, formerly Secure Choice, and compare an employer-sponsored plan with payroll IRA facilitation for your Chicago business.
- MichiganGrand RapidsReview retirement-plan options for a Grand Rapids business, separate Michigan proposals from mandates and organize ownership, succession and administration questions.
- GeorgiaAtlantaPrepare an Atlanta employer's retirement-plan review with verified Georgia program context, a provider responsibility checklist and practical employee rollout questions.
- ArizonaPhoenixExplore retirement-plan decisions for a Phoenix business with Arizona program context, changing-hours workforce questions and practical contribution-record controls.
- ColoradoDenverCompare Colorado SecureSavings with a company retirement plan and review payroll, employer funding objectives and transition questions for your Denver business.
- WashingtonSeattleUnderstand Washington Saves launch context and prepare a Seattle business plan review covering employer readiness, provider support and retirement-benefit choices.
- North CarolinaCharlottePlan a Charlotte employer retirement-benefit review with North Carolina proposal context, service-agreement questions and a practical plan improvement checklist.
Participant guides
Topic education
- GUIDE 01Understanding a 401(k) Self-Directed Brokerage AccountLearn how a workplace plan's self-directed brokerage account works, what broader investment access may mean, and which costs, restrictions and risks to review.Read the guide
- GUIDE 02Fiduciary Advice for Your Existing 401(k)Explore individual workplace-plan advice, advisor access through an eligible SDBA, and questions about scope, fees and responsibilities without changing employers.Read the guide
- GUIDE 03401(k) Rebalancing and Asset AllocationUnderstand asset allocation, diversification and rebalancing in a workplace retirement account, including costs, plan restrictions and questions to discuss.Read the guide
- GUIDE 04Your 401(k) as Retirement ApproachesExplore the shift from saving to retirement income, including spending needs, withdrawal flexibility, investment risk, taxes and your workplace plan's rules.Read the guide
- GUIDE 05401(k) Rollover or Staying in the Plan?Compare reasons to remain in an employer retirement plan with considerations for an eligible rollover, including costs, services, investment choices and taxes.Read the guide
- GUIDE 06Roth 401(k) or Traditional 401(k)?Learn how designated Roth and traditional pre-tax workplace contributions differ, why distribution conditions matter, and what to discuss with a tax professional.Read the guide
Questions
Frequently asked questions
Are these resources for business owners or individual participants?
These pages address starting or improving an employer-sponsored retirement plan. Individual account investment, SDBA and rollover decisions are different questions covered by the linked topic education.
Does every state require an employer to use an auto-IRA?
No. State approaches differ. Some states have a state-facilitated program, some have an enacted program awaiting launch and others have no statewide private-employer auto-IRA mandate. Review the official sources on the relevant state page.
Is a state auto-IRA the same as a company 401(k)?
No. A state-facilitated individual retirement account and an employer-sponsored 401(k) involve different arrangements. Compare benefit objectives, payroll tasks, employer funding goals and ongoing responsibilities.
Do these pages identify local offices?
No. The metro names identify the business-owner audience and the relevant state context. They do not identify a local office or establish the scope or availability of an advisory relationship.
What can be prepared for an optional review?
Business objectives, workforce and payroll information, and any existing plan documents, provider agreements and fee disclosures can help organize questions. Confirm any proposed services and responsibilities in writing.
Seven workplace-plan questions
Not sure where to begin?
A short quiz that shows where to start. ZIP, seven answers and your contact details are required before results. No account numbers are requested.