Workplace & Employee Benefits
At Alto Financial Group, we understand that offering a comprehensive benefits package is essential to attracting and retaining top talent. That’s why we provide a range of workplace benefits services designed to meet the needs of your business and your employees. From setting up and managing retirement plans like 401(k)s and SEP IRAs, to offering group and supplemental health insurance, we help you create a benefits program that supports the financial and physical well-being of your workforce.
In addition to retirement and health benefits, we also specialize in establishing group life insurance plans that provide valuable protection for your employees and their families. Our team of experts works closely with you to design benefits that fit your company’s goals and budget, while ensuring compliance with all regulatory requirements. With Alto Financial Group as your partner, you can confidently offer a robust benefits package that enhances employee satisfaction and loyalty, all while keeping administrative tasks and complexities to a minimum.
Group Supplemental Life Insurance
Our group supplemental life insurance services are designed to provide your business with a valuable, flexible benefit that enhances your overall employee offerings. At Alto Financial Group, we help businesses establish and manage group supplemental life insurance plans that offer additional financial protection beyond standard coverage. This allows employees to tailor their life insurance to their personal needs, ensuring that they and their families are covered in the event of unexpected circumstances.
We handle all aspects of plan setup and administration, ensuring that your business remains compliant with legal and regulatory requirements while offering an easy-to-manage solution for your workforce. Our team is committed to simplifying the process for both employers and employees, making it easier to choose the right coverage and understand the benefits. By partnering with us, you can offer your employees greater peace of mind, knowing they have the option to extend their life insurance coverage through a trusted, professionally managed plan.
Group Supplemental Health & Disability Insurance
Our group supplemental health insurance services offer businesses a flexible and valuable way to enhance their employee benefits package. At Alto Financial Group, we provide supplemental coverage options, including accident insurance, critical illness, cancer, vision, short-term disability, and Medicare supplements. These plans are designed to complement standard health insurance, providing employees with extra financial protection when faced with unexpected medical expenses or conditions.
We manage every aspect of plan setup and ongoing administration, ensuring your business complies with all regulatory requirements while offering a seamless experience for your employees. With these supplemental benefits, your employees can customize their coverage based on individual needs, helping them manage the costs of medical care related to accidents, serious illnesses, and even routine vision care. By offering a wide range of supplemental options, you can give your workforce greater peace of mind, helping them feel secure about their health and financial well-being.
Simple IRA & Payroll Deducted IRA Programs
Setting up and managing SEP IRAs and payroll deducted IRAs for your business requires a tailored approach to meet the specific needs of your company and your employees. At Alto Financial Group, we offer comprehensive services to help you establish these retirement plans in full compliance with IRS regulations. SEP IRAs provide a simple and flexible way for business owners to contribute to their own and their employees’ retirement, with the added benefit of higher contribution limits. Payroll deducted IRAs offer an easy way for employees to save directly from their paychecks, making retirement planning seamless and accessible.
Our expert team not only handles the technical aspects of plan setup and ongoing management but also ensures that your business adheres to all legal and regulatory requirements. From contributions and withdrawals to understanding eligibility criteria, we make the entire process efficient and worry-free.
We also prioritize employee education by providing personalized advice and support to help them navigate their retirement savings options. Whether it’s understanding contribution limits or choosing investment strategies, our advisors are there to ensure that your employees can maximize their savings potential, all while simplifying the retirement planning process for you as a business owner.
401K Plans
Setting up and managing a 401(k) plan for your business requires careful attention to detail, compliance, and a deep understanding of regulatory requirements. At Alto Financial Group, we specialize in helping businesses design and administer 401(k) plans that meet all legal standards, ensuring that your business remains fully compliant with the latest ERISA regulations and Department of Labor guidelines. Our team of experts takes the complexity off your plate, from plan design to fiduciary responsibility, giving you peace of mind as you focus on growing your business.
In addition to compliance, we understand the importance of educating and advising your employees on their retirement options. Our dedicated advisors work closely with your team, offering personalized financial advice and guidance to help them make informed decisions about their 401(k) investments. Whether it’s selecting the right mix of funds or planning for long-term goals, we ensure that your employees have the resources they need to secure their financial future.
By partnering with Alto Financial Group, you can trust that your business’s retirement plan will be expertly managed, allowing you to attract and retain top talent while fostering financial well-being within your workforce.