Retirement Planning FAQs

Navigating retirement planning for your agency doesn't have to be complex.

We've compiled answers to the most common questions we receive from advertising and marketing agencies about retirement plans. Our goal is to provide clear, straightforward guidance that helps you make informed decisions for your agency and employees.

As retirement specialists focused exclusively on the advertising industry for over 60 years, we understand the unique challenges and opportunities agencies face. If your question isn't answered below, our team is always available to provide personalized assistance.

Getting Started

When should my agency establish a retirement plan?

The best time was yesterday—the second best is today. Beyond attracting and retaining talent, retirement plans offer significant tax advantages for both your agency and your employees. The power of compound growth means that starting sooner delivers exponentially better results for your team's financial future. Even small agencies can implement cost-effective plans that grow with their business.

What types of retirement plans are available to agencies?

How do we choose between Traditional and Roth 401(k) options?

This decision hinges on whether your team would benefit more from immediate tax savings (Traditional) or tax-free withdrawals in retirement (Roth). For creative professionals who may expect higher earnings later in their careers, offering both options provides valuable flexibility. Traditional contributions reduce current taxable income, while Roth contributions create tax-free retirement income.

Plan Management

What makes 4As retirement plans different from standard offerings?

How can we minimize administrative burden while maximizing plan benefits?

We transform retirement plan administration from a burden into a strategic advantage. Our streamlined processes, compliance support, and dedicated service team handle the complexities, freeing your agency to focus on creative work while still offering a best-in-class retirement benefit. Unlike many providers, we provide direct access to retirement specialists who understand agency operations.

What are our fiduciary responsibilities as plan sponsors?

Investments and Performance

What investment options are available in 4As retirement plans?

How do we ensure our retirement plan remains competitive?

Should our agency offer financial wellness programs alongside our retirement plan?

Contact Our Retirement Specialists

Contact our retirement specialists for personalized answers to your specific questions. We're committed to helping your agency create a retirement program that serves as a powerful competitive advantage.

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