Qualified Retirement Plans

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Your business can build pre-tax, creditor-protected retirement wealth for your employees, through qualified retirement plans such as:

  • 401Ks
  • Profit-Sharing Plans
  • Pension Plans

The employer responsibilities associated with offering these plans are often overlooked and unmet by employer plan sponsors and their advisors. Through our plan designs, we can help your business meet and manage your fiduciary responsibilities and reduce legal exposure.


Offering an employer-sponsored qualified retirement plan carries a fiduciary responsibility to the employer, subjecting them to potential liability.  Capital Planning Advisors can help you navigate this risk, and assume the investment responsibility as either a 3(21) or 3(38) ERISA Fiduciary of the plan. We can also assess whether to outsource the administrative fiduciary responsibility to a 3(16) third-party trustee.  Unlike most firms, Capital Planning Advisors’ investment plan due diligence is performed by our in-house Certified Financial Analysts (CFAs).