WELCOME TO JPX RETIREMENT
Reduce your tax bill and boost your retirement savings
Get custom-designed 401(k) and Cash Balance Plans for your business to unlock massive tax deductions at competitive pricing.
Complete our questionnaire to receive a proposal
Cash Balance Plan Administration
For high-earning businesses looking to maximize deductions.
401(k) Plan Administration
Flexible contribution arrangements and employee deferrals.
Retirement Plan Consulting
From credentialed experts dedicated to your business' goals.
THE BENEFITS
Keeping the money you earn.
Tax season seems to always be right around the corner, and it’s a time most business owners don’t look forward to. Don’t let your hard-earned money disappear before it makes its way into your pocket. At JPX, we can help you shift your business’ taxable income into your personal retirement account. Let us help you keep more of what you earn.
Tax Deductions
All contributions and expenses to our retirement plans are tax-deductible. Cash Balance Plans can offer deductions upwards of $200,000 per year for ideal candidates.
Tax-Deferred Investments
The money you invest in these retirement plans grow tax-deferred, meaning you pay no taxes until the money is withdrawn. By choosing your own financial advisor and financial institution, you are in control of your money.
OUR SERVICES
Unique Options for Unique Businesses
At JPX, we recognize that every business is unique, led by owners with distinct financial goals. That’s why we begin by understanding your specific situation and company needs. This personalized approach allows us to design one, or even two, custom retirement plans that perfectly fit your objectives. Let us help you secure your financial future with solutions crafted just for you.
Cash Balance Plans
Cash Balance plans offer unmatched deduction limits, far exceeding those of SEPs, 401(k) plans, and IRAs. With annual deduction limits up to 4 times higher than 401(k) plans and SEPs, some businesses can defer over $100,000 in taxes each year. Contributions are invested with your financial advisor's guidance, growing tax-free until retirement. Funded solely by company contributions, these plans eliminate the hassle of employee deductions and investment selections, making them perfect for high-earning business owners looking to boost their retirement savings.
401(k) + Profit Sharing Plans
In contrast to Cash Balance Plans, 401(k) + Profit Sharing Plans have lower deduction limits but allow for discretionary contributions. 401(k) + Profit Sharing Plans provide extensive design options, allowing maximum flexibility in plan operation. The right design is essential to avoid unnecessary costs and maximize annual deductions. These plans are crucial for attracting and retaining top-tier talent within your industry, making them a must for your business.
Solo Retirement Plans
Solo retirement plans are tailored for self-employed individuals and business owners without employees, offering a powerful way to maximize retirement savings while enjoying significant tax advantages and flexibility. Whether you choose a Cash Balance Plan or a 401(k) + Profit Sharing Plan, these options provide low-maintenance, cost-effective solutions suitable for any business type, including independent contractors. Take advantage of these strategic retirement plans to secure your financial future.
WHY JPX?
Saving time and money
At JPX, we understand that time is money. Our goal is to provide you with an effective financial tool without wasting a dollar or a minute. Let us help you save both, so you can focus on growing your business.
- 20+ years of industry experience
- Actuaries credentialed by the IRS, American Society of Pension Professionals & Actuaries, and the American Society of Enrolled Actuaries
- Clear, concise communications
- Most competitive pricing in the industry
For the naturally curious
I already have a retirement plan but am looking to switch providers. Can you take over plan administration?
Yes! Email support@jpxretirement.com to discuss in more detail.
If I start a retirement plan for my business, what happens if I don't want it anymore?
You can terminate a retirement plan at any time and rollover your assets to an IRA with no tax consequences. We will walk you through each step of the plan termination process.
Why doesn't every business owner start a Cash Balance Plan?
Cash Balance Plans are not beneficial for every business. Owner age and income levels play a vital role in determining whether a Cash Balance Plan would be advantageous. Our proposal questionnaire is designed to collect the minimum information necessary to determine feasibility.
Can my company sponsor more than one retirement plan?
High-earning businesses looking to maximize their tax deductions can absolutely benefit from sponsoring both a Cash Balance Plan and a 401(k) + Profit Sharing Plan. This arrangement can be greatly beneficial to business owners.
Are there any additional advantages to starting a retirement plan?
Yes! The IRS is now offering tax credits for small employers up to $5,000 to cover the costs of starting a new retirement plan. Contact us to learn more!
Join our list of valued clients
Take advantage of the wonderful tax benefits that retirement plans have to offer at the industry’s most competitive price points.