Plan Design

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Hello, Kort McCulley here, and I want to talk to you a little about plan design. And how and why that is important for organizations. After we’ve answered the question of what’s your vision for your organization, it drives us into the following conversation how do we build a design that facilitates that vision?

What employees are we focused on? Incenting, attracting. Who are we trying to make sure that this plan serves? And so after we’ve answered the, what, what’s your vision? We really should have a deep-dive conversation about the design. There are so many options out there, and it comes down to the group of people we’re trying to track, retain, and ensure that that plan is serving.

You can get lost in deciding on brands and products, and different types of solutions are out there, from the 401k to the defined benefit to samples to SEPs, you name it. All the options exist. It is backed down to What is the design? Who is this for? And sometimes people will say, what do you need to census for?

It’s like, well, that’s the most important thing. You need to understand who the body is of this group that we are building this for. How can we ensure this plant is ready to serve them? So when we’re creating an outline for an organization to make sure that they have a healthy program, it is rooted in that conversation and the plan design. That tells us who it is we’re building this for and making sure that we’ve solved that long before we get into the conversation around products and solutions.

The execution of investments and all the other service offerings comes with it. So what is the plan? Design is really about who this is for. And have we answered that question.

So again, Kort McCulley here. I look forward to connecting with you soon.

Why Choose McCulley Financial?

  • Understands Entrepreneurs Needs

    We get what entrepreneurs need. Our support is personalized to tackle challenges and fuel growth. Simple, effective solutions for success.

  • Comprehensive Financial Planning

    Plan your money wisely with Comprehensive Financial Planning. Secure your future, grow wealth, and make smart investment choices for success.

  • Fiduciary Best Practices

    Follow the best practices for managing money responsibly and ethically to build trust, be transparent, and achieve positive results for everyone.

Asset Protection

What You Can Expect

Protect your assets by applying several layers of protection. This can take the form of liability insurance, fundamental practices, and other smart strategies.

A solid asset protection plan means you no longer have to feel at risk of losing everything due to litigation or unforeseen events.

  • Estate Planning
  • Legacy Planning
  • Estate Transfer Strategies
  • Family & Generational Review
  • Estate & Trust Counsel Review
  • Investment Diversification
  • And More!

Insurance & Asset Protection Services

What You Can Expect

Get affordable coverage that aligns with your company’s needs – no matter how unique your needs are.

Our team helps you navigate complex insurance-related issues, risk management, and employee benefit issues so you can be safeguarded against any type of risk.

  • Insurance Review
  • Long-Term Care Planning
  • Corporate Benefits Review
  • Liability Planning & Risk

Learn About Our Investment Services

What You Can Expect

Gain access to a wide array of products and services that will ensure we make the right choices to grow your portfolio.

Our fee-based consulting means our only focus is doing what’s right to build your wealth – not earning a commission.

Our risk-averse approach coupled with our extensive investment analysis means we can build a portfolio that maximizes return while minimizing risk.

  • Investment Advisory
  • Free-Based Consulting
  • Asset Allocation
  • Portfolio Construction
  • In-Depth Risk Analysis
  • Alternative Investments
  • And More

Financial Planning Services

What You Can Expect

We identify your objectives and needs to design a realistic, actionable plan you can fully understand.

Whether you’re saving for a house, paying for an education, or want to ensure you have enough for retirement, we make it possible.

We can also help business owners gain additional life, health, and retirement benefits beyond the basic employee scope.

  • Budget & Cashflow Analysis
  • 529 College & Education Planning
  • Social Security Planning
  • Retirement Income Planning
  • Wealth Building Strategies
  • Net Worth Analysis
  • Charitable Planning Services
  • Tax Planning
  • Comprehensive Financial Plan
  • And More

Corporate 401K

What You Can Expect

Explore a wide range of solutions and get a custom designed plan that helps employees reach their retirement goals.

Participants also have access to one-on-one personalized education to help them navigate the complexities of their plan so they can feel confident in their choices and future.

  • Plan Design
  • Employee Education
  • Provider Search
  • Free Benchmarking
  • Investment Analysis
  • Tax-Saving Strategies For Employees & Owners
  • One-on-One Employee Education
  • And more!

Corporate 401K Services

What You Can Expect

Get the right strategy and tools to maximize your savings. As a self-employed entrepreneur, you’ll discover new opportunities to grow your nest egg faster – which includes identifying opportunities to shelter assets from taxes or reduce your tax liability.

Experience the peace of mind that comes with being able to maintain your lifestyle through retirement, stay prepared for the unexpected, and leave a legacy for loved ones.

  • Tax-Saving Strategies
  • Plan Design
  • Provider Evaluation
  • Portfolio Diversification
  • Alternative Asset Investment
  • Ongoing Plan Review
  • And more!