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Solutions for Your Business

Business Retirement Plans

The right financial tools help you focus on what matters most—growing your business. We're here to support every stage.
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Attract and Retain Top Talent

Offering a retirement plan helps attract and retain top talent while showing your commitment to your employees’ future and your business’s success. At 3Rivers, our ClearFuture Financial team makes it easy to choose and set up the right option, whether you have a full team or are a business of one. We guide you through plans like 401(k)s, SOLO 401(k)s, SIMPLE IRAs, and SEP IRAs, taking the guesswork out of planning for the future.

Find Your Fit

Retirement Plans for Your Business

Offering retirement plans helps attract and retain talent while providing tax benefits. Choose the plan that works for your business.
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401(k) Plans

  • Employer has control over eligibility and contribution 
  • Both employee and employer contributions available 
  • Any non-government employer eligible 
  • Options for pre-tax and after-tax contributions
  • Allows non-discretionary contributions from employer
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SOLO 401(k) Plans

  • For sole owners with no employees other than spouse 
  • Save more for retirement with low salary option 
  • Get both employee salary deferral and employer match 
  • 100% vested immediately for contributions
  • Options for pre-tax and after-tax contributions
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Simple IRA Plans

  • For employers with 100 or fewer employees earning $5k+ 
  • No annual filing requirement needed 
  • 100% vested immediately for all contributions 
  • Allows non-discretionary contributions from employer
  • Options for pre-tax and after-tax contributions
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SEP IRA Plans

  • Any employer size can use this flexible option 
  • Easy setup and maintenance with no annual filing 
  • Employer makes contributions; employees don't contribute 
  • Flexibility in annual contribution amounts 
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Features You'll Get

Benefits of All Retirement Plans

Regardless of which plan you choose, you'll enjoy tax advantages, flexibility, and employee benefits across all options.

Tax Advantages

Reduce taxable business income while helping employees save

Easy Administration

Simple setup and maintenance with ongoing support from 3Rivers

Employee Retention

Attract top talent by offering meaningful retirement benefits

Flexible Options

Choose contribution amounts and structures that fit your business

Professional Guidance

Access to ClearFuture Financial advisors for retirement planning
Grow Your 3Rivers Business Relationship

Business Checking Accounts

Combine retirement planning with business checking and cash management solutions. Manage your business finances and employee benefits in one place.
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Connect with us however works best for you! We're here to answer questions and help you reach your financial goals.

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