Business Retirement Plans - The Adirondack Trust Company
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Business Retirement Plans

As a business owner planning for your retirement we offer a wide-range of retirement options.

You are more likely to attract and retain valuable employees when you invest in their retirement, so we offer a comprehensive retirement and employee benefits solution with the kind of customer service you will not find anywhere else. Contact us to discover how you can offer more choices to your employees for their retirement planning needs.

Simple IRA


A SIMPLE IRA plan provides small employers with a simplified method to contribute toward their employees’ and their own retirement savings. Employees may choose to make salary reduction contributions, and the employer is required to make either matching or non-elective contributions.

SEP


A Simplified Employee Pension (SEP) plan provides business owners with a simplified method to contribute toward their employees’ retirement as well as their own retirement savings. Employees cannot make contributions.

401 (k)


A defined contribution (DC) plan is a type of retirement plan in which the employer, employee or both make contributions on a regular basis. In defined contribution plans, future benefits fluctuate on the basis of investment earnings.

Pension


A defined-benefit plan is a retirement plan that an employer sponsors, where employee benefits are computed using a formula that considers factors, such as length of employment and salary history.

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