401(k) plans
Set up in about 30 minutes. Administered by partners who plug into payroll. Invested through multi-manager portfolios at Charles Schwab. A real retirement benefit without the operational weight.
What is a 401(k) plan?
A 401(k) is an employer-sponsored retirement plan. Employees contribute a percentage of each paycheck before tax, the money grows tax-deferred in an investment account in their name, and the business can choose to add a matching contribution on top. At retirement, withdrawals are taxed as ordinary income.
For the business, offering a 401(k) is a recruiting and retention benefit. For the owner, it’s often the single largest tax-advantaged savings vehicle available. Under the SECURE Act, eligible small businesses that start a new plan or add auto-enrollment may qualify for federal tax credits during the plan’s first three years — a meaningful offset against setup and administration costs.
How money goes in
Pre-tax contributions from each paycheck
How money grows
Tax-deferred until it is withdrawn
What an employer adds
An optional match, on top of what employees save
How WWA’s offering works
Every 401(k) plan has two layers: the administration that handles contributions, compliance, and participant paperwork, and the investment menu that actually grows the money. WWA pairs an established Third-Party Administrator with a multi-manager investment lineup so the two layers work together.
Plan assets are custodied at Charles Schwab & Co., one of the largest custodians in the U.S. The investment lineup blends institutional third-party managers inside the same account — so participants get genuine diversification rather than a single house view of the market. Your WWA advisor picks the TPA that best fits your plan size and design, sets up the lineup, and stays involved through the life of the plan.
TPA partners
WWA works with three Third-Party Administrators and matches your plan to the right fit based on size, design, and payroll provider.
Digital-first TPA
Fast setup, payroll integration, and a modern participant portal. Built for small businesses that want the plan to run itself after launch.
Full-service TPA
A long-established recordkeeper handling contribution processing, compliance testing, and participant servicing end-to-end.
Flexible plan design
Fit for plans that need customization — profit sharing, safe-harbor variations, and multi-entity structures.
Who it’s for
The plan design that fits a sole proprietor is different from the one that fits a 60-person firm. We set up the version that fits you today and can adjust it as the business grows.
A Solo 401(k) lets a single-person business make both employee and employer contributions — often the highest tax-advantaged retirement number available to a one-person shop.
A standard small-business 401(k) with auto-enrollment and safe-harbor design makes the plan easy to pass compliance testing while giving the team a real benefit.
Businesses with 50+ employees need a plan that scales: clean recordkeeping, plan-level fiduciary support, and an investment lineup the team can actually use.
What you get
A 401(k) engagement with Wealth Watch Advisors is a complete stack: plan design, Third-Party Administration, an investment lineup, and a named advisor who knows the plan and the people running it.
Take the next step
Whether you’re starting a plan from scratch or looking at your current one with fresh eyes, a WWA advisor will evaluate plan design, cost structure, and investment lineup — and tell you what a better plan could look like. No cost to evaluate.
Explore more
The 401(k) is one piece of a broader toolkit. Here are two more places the same firm can help.
Investment products involve risk, including potential loss of principal. Past performance does not guarantee future results. Information on this page is educational and does not constitute tax, legal, or investment advice. Consult with a Wealth Watch Advisors advisor and your tax professional before investing.
