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Retirement Plan Services


Planning for Your Future


Understanding that our clients have diverse needs when it comes to their retirement plans, Caldwell Trust Company offers a full array of retirement plan services. Our consultative, hands-on approach helps our clients navigate complex issues and make informed decisions regarding their plans. 

We work with both individuals seeking retirement plan services and employers looking to provide retirement plan options to their employees.


Individual Retirement Accounts


An Individual Retirement Account (IRA) can be a great tool to help you fund your retirement, combining the benefits of tax deferral with potential interest compounding. Traditional IRAs are among the most widely utilized retirement vehicles available today. They are ideally suited to individuals who wish to invest during their earning years.

Roth IRAs

Roth IRAs allow eligible individuals to make annual contributions of up to $6,000 or 100% of compensation, whichever is less, depending on filing status and adjusted gross income. The greatest advantage of a Roth IRA is that it may enable individuals’ contributions to accumulate tax-free.

Which Plan is Best for Me? 

Choosing a plan is different for everyone. There are many factors to consider when looking at which retirement plan will be best for your particular situation. Learn which information is best for you to consider for retirement planning.

Download our easy to follow checklist

Employer Retirement Plans

Retirement plans are often set up 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; to provide 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. 


Establishing a 401(k) retirement plan for employees can offer many benefits to business owners by attracting and retaining good employees, providing valuable tax advantages, and creating greater retirement security not only for employees but for owners and their families. It also is a highly regulated and complex area that–if not handled correctly–can burden owners with additional responsibility and potential liability.

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A 403(b) 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. The features of a 403(b) plan are very similar to those of a 401(k) plan but have been designed for  employees of public schools, tax-exempt organizations, and certain ministers. 

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Cash Balance Plans

A Cash Balance Plan is a form of Defined Benefit Plan, but it also incorporates features of a Defined Contribution Plan. These plans are mostly designed for business owners, whose business is well established and are looking for significant savings for retirement (above and beyond what can be saved in a traditional 401(k) profit sharing plan).


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Schedule a Complimentary 401(k) Assessment for Your Business