Retirement & Employer-Sponsored Plans

Strategic Retirement Planning for Individuals and Employers

At Modi Financial Group, we help individuals, business owners, and organizations prepare for the future with customized retirement and employer-sponsored plan strategies. Whether you are planning for your own retirement or managing benefits for your employees, our goal is to simplify the process and maximize long-term value.

We work closely with clients to establish, optimize, and maintain tax-advantaged accounts designed to support retirement income and financial independence. Our team delivers tailored solutions that are aligned with your goals, your timeline, and your capacity for risk.

Our retirement and employer-sponsored offerings include:

Traditional and Roth IRA Accounts
IRA Rollover Services
401(k) Plans for Small and Mid-Sized Businesses
Individual 401(k) Plans for the Self-Employed
Defined Benefit Pension Plans
Profit Sharing Plans

Whether you are just getting started or ready to fine-tune an existing plan, we provide clarity, accountability, and ongoing support every step of the way.

Questions & Answers

A Traditional IRA allows you to make tax-deductible contributions and defer taxes until you withdraw funds in retirement. A Roth IRA is funded with after-tax dollars, but qualified withdrawals are tax-free. We help determine which option best suits your current tax situation and future income goals.

Yes. A rollover IRA can consolidate your retirement accounts and preserve your tax-deferred status. We assist with the rollover process to avoid penalties and help reinvest your assets in a strategy aligned with your financial goals.

We offer a range of employer-sponsored plans including 401(k) plans, profit sharing plans, and defined benefit pensions. We also help sole proprietors set up Individual 401(k) plans. Our team handles plan design, compliance, and employee education.

Profit sharing plans allow employers to contribute a percentage of company profits to employee retirement accounts. These contributions are discretionary and flexible from year to year, making them a popular tool for rewarding performance and supporting long-term employee retention.

An Individual 401(k) allows self-employed individuals to contribute both as employee and employer, maximizing tax-deferred savings. These plans are ideal for consultants, freelancers, and small business owners without employees.

Retirement strategies should be reviewed at least annually or any time there is a change in income, goals, or employment. We conduct regular reviews to adjust contribution levels, evaluate performance, and ensure the plan continues to align with your evolving financial picture.

Retirement & Employer-Sponsored Plans