Small Business Pension Plans | Orange County, CA

Small Business Pensions Definition: A pension plan is a retirement plan that requires an employer to make contributions into a pool of funds set aside for a worker’s future benefit. This pool is invested on the employee’s behalf so that the earnings on the investments generate income to the worker upon retirement. Employees may or may not be required to contribute to their pension plan.

How can Katz Financial help choose the best pension plans for myself and my employees?

The Pension Picture

Business financials and pensions can be a challenge to figure out because there are so many plans and so many factors to take into consideration. A pension’s actual guaranteed dollar amount will depend on the years of service, seniority, and earned income among other factors.

Katz Financial is a pension specialist, adept at untangling even the most confusing programs for the benefit of your company, your employees and yourself.

Multiple Options, Myriad Benefits

The choices are many and we can review them with you to find exactly what is right for you and your staff. Defined benefit plans, such as pensions (STRS/PERS), guarantee a given amount of monthly income in retirement and place the investment risk on the plan provider. 401k/403b are contribution plans where both the employee/employer make contributions & investment risk falls onto the worker. Annuities offer a low rate of return but are extremely safe investments.




When companies have the income to be thinking about pensions, the most common question we get asked is; what is the best type of pension plan for my company, my employees both key and rank and file and for me?

Our answer is to complete a Pension feasibility study. Completing our short form study, which you can get by clicking on the Pension Feasibility Survey button below will answer that question for you, within a few days.