Retirement Plans

401(k) / 403(b)

Your financial future depends on what you save for yourself today. Uncertainty in our Social Security system, inflated government spending, rising Medicare costs and many other factors all add up to mean one thing—you need to save more for your retirement.

401(k) and 403 (b) are types of retirement plans that enable employees to save for retirement while deferring income taxes on the saved money and earnings until withdrawn. Employees elect to have a portion of their wages paid directly into the account.

Employers can establish a 401 (k) or 403 (b) plan through Universal Benefit Plans and our strategic partners provide retirement counseling, investment guidance, enrollment support and regular employee education workshops.

Universal Benefit Plans works with top industry vendors and will work together with you to design a program that best meets the needs of your employees and your organization.