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We take pride in developing ‘bridges’ or ‘plans’ that allow our clients to move from their present situation to their future financial goals.

Retirement Plan Services


A 401(k) type plan is a retirement savings plan funded by employee contributions, and in many cases matching contributions from the employer. Your contributions, which are taken from pre-tax salary, can be invested in a wide variety of mutual funds of your choosing and grow tax-free until withdrawn.

Types of plans include:
  • Self-Employed 401(k)
  • Money Purchase Plan
  • Profit Sharing Plans
  • Employee Sponsored 401(k)
  • Roth 401(k)
  • 403(b) Plans

For Employers
Retirement plans are often setup and forgotten. Unlike other employee benefits, the company does not annually review the expenses because the employees usually bear the brunt of the cost. Additionally, few realize that they are legally responsible for monitoring the performance of these plans. That's where Caldwell Trust Company steps in; Caldwell Trust Company provides unique, discretionary trustee services. Our complimentary plan review helps employers to understand any potential liability, plan costs and investment performance/quality. Once a client signs-on, Caldwell Trust Company assumes some of the liability. We also conduct employee group and individual meetings to provide investment counseling. In addition, we coordinate all transitions from an employer's prior provider. Once the plan is in place, we conduct annual reviews with our clients and provide additional investment advice.

For Employees
WHICH PLAN IS BEST FOR ME?
There are many factors to consider when looking at which retirement plan will be best for your particular situation.

  • Eligibility: The first step you need to take is to look at the eligibility requirements and make sure you can even include it as an option as not all individuals are eligible for all the plans.

  • Benefits: What are the long term benefits of each plan?

  • Flexibility: How flexible is the plan? How flexible do you need the plan to be? Should an early withdrawal be needed due to a family crisis, what are the options and associated ramifications for each plan?

  • Taxes and costs: Keep in mind that there may be extra costs incurred by specific plans. As well, there are taxes to be paid and there may be associated fees with opening or maintaining the account.

  • Age

PEACE OF MIND - It's what John Williams of Farley Funeral Homes and Crematory and his team of professionals offers families during difficult times. It's also why CEOs like John Williams partner with Caldwell Trust Company services: for his employees' peace of mind-and his own, too.

Caldwell Trust Company 401k Strategic Planning. Call us for your peace of mind.
Please call Caldwell Trust's Retirement Plan Services Specialist John Tufaro by phone at (941) 493-3600 or by email.

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Trusts & Estates

Ensuring your wealth fulfills
your goals of the future.

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Retirement

Preparing you for tomorrow
on your terms.

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Investments

Growing your wealth and
making it work for you.

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