Small Business Retirement Plans Designed for Long-Term Success

A well-built retirement program can transform your company’s ability to attract talent, reduce turnover, and support employees’ financial futures. Incisive Financial Group helps organizations across Northern Virginia, DC, Maryland, and Delaware create competitive, compliant, and fully supported retirement plans built for lasting employee engagement.

Explore Our Retirement Plan Services

Comprehensive Guidance for Every Type of Employer Plan

Our retirement plan consulting services cover everything your business needs—from plan design to ongoing fiduciary oversight and employee education. Each option below links to a detailed subpage so you can understand the benefits and structure of every plan type.

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401(k) Plans

Tailored for small and mid-sized employers seeking competitive benefits and flexible design options.

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Profit Sharing Plans

Ideal for rewarding productivity, supporting retention, and offering owners strategic contribution advantages.

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Deferred Compensation Plans

Designed for key employees and executives requiring sophisticated, tax-efficient savings strategies.

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Tax-Deferred Annuity Plans (403(b))

Built for nonprofits and associations looking to deliver meaningful retirement benefits to their teams.

Retirement Plans That Strengthen Your Business

Why the Right Plan Matters—and How IFG Supports You

A strong retirement plan helps you compete for top talent while giving your employees real tools to build long-term financial security. Our advisors evaluate your goals, workforce demographics, and budget to design a plan that fits—whether that’s a 401(k), SIMPLE IRA, profit-sharing plan, or Safe Harbor structure. We streamline administration, manage compliance requirements, and serve as co-fiduciaries to reduce your risk and workload. With ongoing employee education and clear investment guidance, we ensure your team understands and values the benefit you’re providing.

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Frequently Asked Questions

Answers to Common Questions About Employer Retirement Plans

  • Why should a small business offer a retirement plan?

    A retirement plan helps you stand out in a competitive job market by showing employees you’re invested in their long-term well-being. It can significantly improve retention, morale, and your ability to recruit qualified candidates. Employer contributions are also tax-deductible, creating financial advantages for the business. With the right design, owners and key employees can maximize their own savings while supporting the entire workforce.

  • What types of retirement plans does IFG help set up?

    We assist with 401(k) plans, Safe Harbor 401(k), profit-sharing plans, SIMPLE IRAs, deferred compensation arrangements, and 403(b) programs for nonprofits. Our advisors evaluate your company’s structure and goals to determine which plan type aligns best with your needs. We customize designs around factors like employee demographics, cash flow, and tax planning. The result is a benefit that supports both your business strategy and your team.

  • How does fiduciary guidance help protect my business?

    As a 3(21) fiduciary advisor, we help you select and monitor investment options and share responsibility for ensuring the plan’s lineup meets regulatory standards. This reduces your risk and helps you avoid common pitfalls that can create legal exposure for plan sponsors. Our team conducts ongoing reviews to keep your plan aligned with ERISA requirements and industry best practices. With IFG’s oversight, you gain confidence that your plan is operating in your employees’ best interests.

  • What administrative tasks does IFG help manage?

    We support or handle onboarding employees, updating plan documents, facilitating rollovers, preparing annual filings like Form 5500, and completing nondiscrimination testing. Our involvement reduces administrative stress and minimizes compliance errors that can be costly for employers. We also assist with vendor coordination and recordkeeping reviews. This allows your HR and leadership teams to focus on the business—not complex paperwork.

  • How does IFG help employees understand their retirement plan?

    We provide ongoing education through workshops, webinars, and one-on-one sessions tailored to your workforce. Our advisors explain contribution strategies, compounding, investment choices, and long-term goal setting in a way that’s accessible and engaging. Better education leads to higher participation rates and more confident decision-making from employees. When employees understand their benefits, they appreciate the value your company provides.