Retirement planning that empowers your workforce and business.

Confluence Retirement Plan Services helps employers navigate the complexities of retirement planning with clarity and confidence. Our team helps build plans that will support organizational goals while empowering employees to prepare for a secure financial future. From plan selection to ongoing oversight, we provide strategic guidance every step of the way. Whether you are starting a new plan or looking for more from your existing plan, Confluence Retirement Plan Services is a partner you can rely on.

Services for businesses and employer-sponsored retirement plans

Employer Sponsored Retirement Plans

401(k) Plans
Simplified Employee Pension Plans (SEP)
Simple IRA Plans
403(b) Plans
457 Plans
Defined Benefit Plans
Cash Balance Plans
Non-Qualified Deferred Compensation (NQDC)

Business Solutions

Buy/Sell Structure
Key Person Insurance
Corporate Cash Management
Liquidity and Investment Management
Check Writing

Starting a New Retirement Plan

When exploring retirement plan solutions, we’ll guide you through design and implementation to align with your business goals and help strengthen your employees’ retirement readiness. Retirement plans are now more accessible and affordable than many realize. Even without employer contributions, simply offering employees a way to save can be a valuable benefit. With Confluence as your partner, you can make confident, informed decisions that help build lasting value for your organization.

Evaluating and Elevating Your Current Plan

If you’re questioning the value of your current retirement plan or simply wondering if more is possible, you’re not alone. Many employers feel stuck with limited support and frustrated by one-size-fits-all advice. Our team works with plan sponsors seeking greater transparency, more responsive service, or a second opinion on their provider. We’ll review your existing plan for inefficiencies, gaps, and missed opportunities, then provide clear, actionable recommendations to help elevate its performance and impact.

75%

employees who receive financial education are 75% more likely to increase their retirement contributions.

(Source: National Bureau of Economic Research)

60%+

of employees say they want more personalized retirement guidance from their employer.

(Source: Voya Financial Research)

33%

of employees don’t fully understand their retirement benefits.

(Source: Employee Benefit Research Institute)

Enhanced retirement plan benefits with no additional cost.

Empowerment through education.

We believe that informed employees make smarter financial decisions, helping lead to greater retirement security and overall financial well-being. Our education programs help to empower your team with the knowledge they need to maximize their benefits, plan for the future, and feel confident in their financial choices.

Personalized support for financial confidence.

We provide hands-on, personalized interaction to help employees navigate their retirement journey. With both in-person and virtual support from our dedicated employee meeting team, we offer retirement readiness evaluations and external asset reviews working to ensure every individual has the tools and knowledge to plan for a secure future.

Communication to encourage participation.

Our participant communication strategy helps employees stay informed and engaged through multiple channels such as webinars, videos, and emails that foster connection and understanding. Dedicated sponsor resources also enhance plan awareness and can drive higher participation, helping make retirement planning more accessible and effective than ever.

Build a retirement plan that works for your business.

Retirement planning isn’t one-size-fits-all. We help you find a plan that supports your goals, maximizes contributions, and minimizes taxes. By evaluating your business and personal needs, we guide you toward the right fit for you and your team. With ongoing insights and oversight, we help ensure your plan stays effective, compliant, and aligned with long-term success.

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