Build a Stronger Business with a Smarter 401(k) Plan
Personalized, commission-free retirement plans with direct CFP access and seamless support for your company.
Give your employees peace of mind while you focus on growing your business.
Experience a 401(k) Plan That Puts Your Business and Employees First
Discover the advantages of a smarter, more personalized retirement plan.
Personal Financial Guidance
Transparent, Low-Cost Plans
Seamless Payroll Integration
Independent Fiduciary Support
Who Is This For?
Our 401(k) plans are built for small and midsize businesses, HR leaders, and employees who want more from their retirement benefits without extra hassle or hidden costs.
Business Owners & Executives
Relieve compliance headaches and simplify plan administration, while offering a top-tier benefit to attract and retain outstanding people.
HR & Operations Teams
Make payroll integration easy, automate plan management, and get responsive support so you can focus on your team, not paperwork.
Employees
Access one-on-one financial guidance from Certified Financial Planners, and enjoy more investment options with lower fees.
How Our 401(k) Process Works
Our process is designed for clarity and ease at every step.
A 401(k) Platform Built for Real People and Real Businesses
Employee Benefits That Actually Benefit Employees
Too many 401(k) providers treat employee support like an afterthought. At Byrne Asset Management, every participant gets direct, ongoing access to credentialed experts—not a sales pitch.
- One-on-One Guidance: Every employee can speak directly with a Certified Financial Planner for real advice and answers.
- Whole-Financial-Life Support: We help with rollovers, IRAs, and all outside assets—not just the company plan.
- No Product Sales: Our advisors are never paid to push funds or annuities. You get advice in your best interest, every time.
Real Investment Choice, Built for Performance
Many 401(k) plans only offer overpriced funds with hidden fees. Ours is built for transparency and long-term results, giving your team genuine choice and low-cost access to world-class investments.
- Best-in-Class Index Funds: Access a full range of no-load, low-fee mutual funds and ETFs from top providers.
- Model Portfolios for Every Risk Level: Pre-built, diversified portfolios designed for your goals—professionally managed and automatically rebalanced.
- Self-Directed Option: Want even more control? Employees can manage their own brokerage window for stocks, bonds, and more.
Transparent Costs That Protect Your Bottom Line
Our plan costs are clear, simple, and consistently lower than the national average. We believe you should know exactly what you pay—and why.
- Clear, Flat Fees: No hidden sales charges, no fee-sharing, no fine print.
- Low-Cost Funds Only: We fill our plans with only low-fee, high-quality funds to maximize long-term growth.
- Bundled Administration: With ADP as record keeper and TPA, you get further cost savings and one point of contact for service.
Less Hassle for You, More Support for Everyone
Our platform is designed to make HR and payroll simple, with fewer headaches and faster answers for both administrators and employees.
- Easy Payroll Integration: Direct data feeds with ADP for automatic, accurate contributions and up-to-date records.
- Automatic Document Management: IRS forms, compliance docs, and notices are prepared and filed for you—no scrambling at year-end.
- Full-Service Compliance: We handle all non-discrimination testing and regulatory requirements, keeping your plan fully compliant.
- 24/7 Account Access: Both employees and admins can see everything they need in a secure online portal.
- Responsive Support: Phone and email help from real people—no ticketing system or overseas call center.
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Frequently Asked Questions
What are the main advantages of a 401k plan compared to other retirement options?
401k plans offer significantly higher contribution limits than alternatives like SEP IRAs or SIMPLE IRAs, making them ideal for businesses that want to maximize tax-advantaged retirement savings. They also provide more flexibility in plan design, including options for employer matching, profit sharing, and vesting schedules. Additionally, 401k plans can include features like participant loans and hardship withdrawals that aren’t available with other retirement vehicles.
Are employers required to match employee contributions?
No, employers are not required to match employee contributions in a traditional 401k plan. Employer contributions are optional, giving businesses flexibility to design a plan that fits their budget and goals. However, if the plan is set up as a Safe Harbor 401k, certain employer contributions are required to bypass non-discrimination testing. We can help you determine the most advantageous contribution structure for your specific business needs.
How does your partnership with ADP and Schwab benefit my business?
Our strategic partnership combines ADP’s industry-leading payroll and record-keeping services with Schwab’s robust investment platform, creating a seamless experience for both employers and employees. This integration streamlines administration by automating data flow between payroll and the 401k plan, reducing errors and saving time. For employees, it provides access to institutional-class investment options at lower costs than typically available to individual investors.
What ongoing support do you provide after the 401k plan is established?
We provide comprehensive, ongoing support including regular plan reviews, investment monitoring and adjustments, compliance assistance with regulatory requirements, and educational resources for participants. Our team is available to answer questions from both employers and employees, and we offer personalized financial planning services to help participants optimize their retirement strategy. We also stay current with regulatory changes to ensure your plan remains compliant with all applicable laws.
How do you ensure plan fees remain competitive?
We maintain transparency in all fee structures and regularly benchmark your plan against industry standards to ensure costs remain competitive. Our investment platform emphasizes low-cost index funds and institutional share classes that typically have lower expense ratios than retail investment options. We also negotiate with service providers on your behalf to secure favorable pricing. As fiduciaries, we’re legally obligated to act in your best interest, which includes vigilance regarding plan costs.
Ready to Optimize Your Business’s Retirement Benefits?
Our team can help you design and implement a 401k plan that maximizes benefits for both your business and employees while minimizing administrative burden.