WealthCrafters through SII Investment Inc., offers a vast array of products and services for our corporate clients. To view a sampling of just a few of these, click on one of the topics listed below.

Corporate educational seminars
401k’s
Retirement plans
Employee Savings Plans (ESAPS)
Third Party Administration (TPA) Services
Benefits consulting
ERISA rule 404c compliance
Corporate investment and checking accounts
Business Services Account
Business valuation services
Buy/Sell business insurance
Key Person Insurance



Corporate educational seminars
The financial representatives of WealthCrafters, Inc. have over twenty years of experience in the investment and financial planning spectrum and would like to share our experience with your company. Our corporate educational seminars will not only educate your employees about overall money management and planning for their financial future, it will also allow them to ask professional advisors questions about their specific financial needs. 

A typical seminar would include basic financial planning topics, fundamental asset allocation strategies, and a synopsis of the current market environment. Economic conditions will lead to a discussion on different market sectors as well as an update on the current trend in interest rates.

Seminars are held at your workplace usually after work or during the lunch hour. As a bonus, if you request, we can even go over corporate benefit package to help foster better employee understanding and loyalty. Give us a call to learn more about how we can help your employees with their financial future. TOP

401k’s
One of the most popular retirement plans, 401(k) plans are designed to allow an employer to make matching contributions, or discretionary profit-sharing contributions on behalf of all employees. 401k's also allow employees to defer income into a qualified retirement plan free of federal income taxes. 

WealthCrafters is proud to represent 401(k) plans that fit both the large company or a much smaller organization. WealthCrafters represents 401k's from a variety of excellent companies. Call us to learn how a 401(k) plan can benefit your business and employees. TOP

Retirement plans
In today's competitive marketplace, a retirement plan is critical in attracting, rewarding, and retaining qualified employees. At WealthCrafters, we can provide you with a well designed and properly managed retirement plan that allows you to take advantage of tax savings while offering your employees valuable benefits. We will help you choose the right retirement plan for your business by evaluating your goals, cash flow, amount of annual plan contributions, any top-heavy restrictions, and various other issues specifically related to your company.

WealthCrafters represents a variety of plans including:
· Profit Sharing Plans
· Money Purchase Pension Plans
· Defined Benefit Pension Plans
· Keogh Plans
· Simplified Employee Pension Plans (SEP)
· Savings Incentive Match Plan for Employees (SIMPLE)
: IRA's and Roth IRA's TOP

Employee Savings Plans (ESAPS)
WealthCrafters can help with a new type of savings plan called an Employer Sponsored Accumulation Plan (ESAP). This is a great perk to offer your employees. There is no fee to set up or maintain the plan and anyone can join. 

The employee gets to pick from a series of investments to contribute to on a monthly basis. This is done through payroll deductions. There is no tax benefit to this type of plan but there are also NO IRS restrictions on taking money out early. The ESAP is a convenient investment savings account that can be accessed whenever funds are needed.

All statements have your company name on it, for example: The Smith Software Savings Plan FBO John Williams. Employee loyalty soars when they are offered benefits like the ESAP. Give WealthCrafters a call today to set your plan up.TOP

Third Party Administration (TPA) Services
Third Party Administrators

Design and Administration of:
401 (k) plans
Profit Sharing Plans
Pension Plans
Defined Benefit Plans
Cafeteria Plans
New Comparability/Tiered Plans

WealthCrafters has professional relationships with many Third Party Administrators (TPA's) to help with your retirement planning needs. The TPA's help with the design, compliance, and record-keeping requirements of any plan.

Third Party Administrators help to design a plan that matches the demographics of your company. They help save enormous amounts of tax dollars while helping to put the maximum amount aside into a retirement vehicle that benefits both the employers as well as the employees. 

After the design and implementation process is complete, the TPA helps make sure that the plan stays in compliance with the IRS. New laws, top-heavy requirements, employee turnover are just a few functions the TPA is constantly monitoring.

If you need to start a retirement plan or are unhappy with your current plan, let us introduce you to a highly respected Third Party Administrator. TOP

Benefits consulting
Establishing an affordable employee benefits program that meets your needs as an employer as well as the needs of your employees is a challenge facing many business owners today. Where do you start to find the providers that offer exactly the benefits that you need? Are you paying too much for the benefits you have now? How do you create a benefit plan? Which qualified plan should you use; Simple IRA, or a 401(k)? 

WealthCrafters can refer you to benefit professionals that can help you with the answers to all of those questions and more. We help businesses create a benefit plan that meets both the needs of the employer and employees. We start by reviewing your overall needs and then work with you to devise a benefit plan that will meet your benefit objectives as well as complement your compensation philosophy. We can help you provide group medical, dental, vision, and life insurance, supplemental insurance such as AFLAC, retirement savings accounts and non-retirement savings vehicles such as Employer Sponsored Accumulation Plans (ESAP's) and Section 529 College Savings Plans. We can even help your company meet ERISA requirements. Give us a call to find out how we can help your company. TOP

ERISA rule 404c compliance
As an employer and fiduciary of your company's 401(k) plan, you must insure that you are in compliance with ERISA. The Employee Retirement Income Security Act (ERISA) sets the legal framework within which all 401k plans must operate. ERISA aims to prevent asset mishandling by administrators, trustees and others. All 401k plans must meet the guidelines set forth in ERISA Section 404(c) regarding educating employees about 401k plans and disclosure of plan and investment-related information to them. Under ERISA Sec. 404(c), participants and beneficiaries must be allowed to:
1. Choose among a broad range of investment alternatives consisting of at least three diversified investment categories, each of which is characterized by materially different risk and return factors, 
2. Diversify investments generally both among and within the investment categories, 
3. Receive sufficient information to make informed investment decisions and,
4. Give investment instruction as frequently as the market volatility of the particular investment dictates - in any event, no less frequently than quarterly.
At WealthCrafters, we help companies comply with ERISA Section 404(c) by giving on-site seminars for employees. We will educate your employees on 401(k) plans, investment choices, asset allocation, and provide updates and insight into the current economic and market conditions. We will provide your employees with the financial basics necessary to help them make educated choices in their 401(k) plans as well as help you, the employer, fulfill your fiduciary responsibilities. Give us a call today to learn more and to schedule a complimentary on-site seminar. TOP

Corporate investment and  checking accounts
As a business owner, it is imperative that your financial assets are working for you every day. The Business Services Account (BSA) can help you manage your business's cash management needs, pay bills, earn competitive returns, and simplify your record keeping while maximizing the full power of your assets. 

The BSA offers a variety of powerful capabilities including:
· Comprehensive account statements and tax-planning summaries
· Instant access to your funds through check writing, Electronic Funds Transfer Service, MasterCard BusinessCard purchases and cash advances, and Electronic Payment Service
· Automatic asset sweep
· Credit lines, loans, and letters of credit
· A securities account that allows you to invest your business's short-term cash as well as its long-term financial assets
· Access to a variety of money markets, bonds, mutual funds, and stocks.
· Electronic Business Tax Payments can be made to the IRS electronically.

If you have excess funds at a bank earning little or no interest, let WealthCrafters help you earn every penny that your company deserves. Call us now to set up a BSA! TOP

Business Services Account
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Business valuation services
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Buy/Sell business insurance


Key Person Insurance
Buy-Sell Insurance
Protects all members of a business partnership from financial hardship in the event that a partner suffers an untimely death or becomes disabled. A Buy/Sell insurance policy assures there are sufficient funds available to help purchase the deceased partners share from his family or estate.

Key Person Insurance
This type of plan helps to compensate a business for financial losses due to the death or long-term disability of a key person. The insurance provides additional funds to the business until the key person can be replaced, or until he or she returns to work.  TOP








 

Securities and advisory services offered through SII Investments, Inc, member NASD, SIPC and a Registered Investment Advisor. Wealthcrafters, Inc and SII Investments, Inc. are separate and unrelated companies.  SII Does not provide tax or legal advice.