Broker Check

The 401(k) Plan - A Primary Retirement Vehicle

The 401(k) Plan often serves as a company’s primary retirement vehicle.  However, the 401(k) coupled with a discretionary profit sharing plan, can be a powerful mechanism to address the retirement concerns of a growing company.  When properly situated as part of an owner’s overall Wealth Accumulation Strategy, this power combination of retirement plans can benefit key employees and help minimize the overall tax burden of the business owner.

Employers may also consider the benefits of the Roth 401(k) - a new strategic tool for wealth management.    Unlike the tax deferred benefits of a traditional 401(k), Qualified Distributions* from the Roth 401(k) are tax-free.  This opens a whole new area of planning for retirement benefits.

                                                             Roth 401(k) Fact Sheet

Mr. Davies can meet with you to do an analysis of your current retirement planning strategy and recommend alternatives to consider.  After you have gained an understanding of the possibilities, Mr. Davies will call upon one of the institutional partners to provide you with a proposal that will help you to understand the full range of provider services that are available.  You will gain insight as to the available dedicated support services, investment options, and technological advantages that can be at your fingertips when utilizing one of these top plan providers.  Let us help you stay on target to pursue your life goals and objectives.    Contact Mr. Davies at 508-478-2640 or via e-mail and let us show you how we can help you manage your wealth.

401(k) Plan Providers

MFS Retirement Services

MFS- The Power Behind Your Plan
MFS - Roth 401(k) Plan Fact Sheet

Fidelity Retirement Services



Fidelity Advisor Delivered 401(k) - Plan Sponsor Overview

Fidelity Advisor Delivered 401(k) - Plan Sponsor Overview  

Fidelity Advisor Delivered 401(k) - Plan Sponsor Guide



* A Qualified Distribution from a Roth 401(k) is one made at least five years after the tax year the participant first makes a designated Roth 401(k) contribution to the plan.  Withdrawals made prior to five years after the tax year of the contribution, made prior to age 59 1/2, death, or disability will be subject to taxation.   Please consult with a tax advisor for advice.