Retirement
Set your business apart by helping employees plan for retirement.
An employer-sponsored retirement plan such as a 401(k) helps employees save with pre-tax payroll deferrals and can bring tax advantages and tax credits to the business. TrueCare helps Houston employers choose, set up and administer a plan that fits their budget.
Helping your employees plan for their retirement sets your business apart when attracting value-added talent. The most critical part of the process is finding a provider that helps with administration, plan design, record keeping and quality investments.
You get all that and more with TrueCare’s retirement planning services. Because insurance is a critical part of retirement planning, there is a broader range of products available, like 401(k), index universal life and supplemental insurance. We offer our knowledge, and related administrative benefits, to make employee retirement planning an important part of your benefit and retention programs.
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Frequently asked questions
What retirement plan options does a small business have?
Common options include a traditional or safe harbor 401(k), a SIMPLE IRA and a SEP IRA. The right choice depends on your headcount, budget and how much you want to contribute for yourself and employees.
Do I have to contribute to my employees' 401(k)?
Not always. Many plans let employees save from their own paychecks only, while safe harbor designs require an employer contribution but simplify annual testing.
Are there tax credits for starting a retirement plan?
Federal law offers tax credits that can offset startup and administration costs for eligible small employers. A tax professional can confirm the credits that apply to your business.
Ready to protect what matters most?
Speak with a licensed Houston insurance agent for a no-obligation consultation.