Business Details
50+ Years
experience
Trusted Retirement Plan Administration & Consulting Services
Since 1975, Retirement Programming has specialized in retirement plan administration and consulting for small businesses. Our team delivers tailored solutions including 401(k) plans, profit-sharing arrangements, and defined benefit plans, ensuring compliance with evolving regulations. We prioritize client needs by collaborating with accountants, legal advisors, and financial professionals to optimize plan design. With decades of experience, we provide personalized service that simplifies complex retirement planning processes.Our commitment to excellence has solidified our reputation as a trusted third-party administrator on Long Island and beyond. We focus on maximizing tax benefits while maintaining strict adherence to government mandates, allowing business owners to concentrate on their core operations. Our mission is to empower clients with strategic retirement solutions that align with their long-term financial goals.
Services
401(k) Plan Design
Profit Sharing Plans
Defined Benefit Plans
Compliance Testing
Annual Reporting
Plan Termination Services
IRS Audit Support
Employee Notifications
Tax Optimization Strategies
Retirement Plan Consulting
Details
- Year established: 1975
Highlights and features
- We offer 45+ years of specialized expertise in small business retirement plans.
- Our team holds industry certifications including Certified Pension Consultant (CPC) and Qualified Pension Administrator (QPA).
- We maintain 100% compliance with IRS and Department of Labor regulations.
- Our collaborative approach integrates seamlessly with clients' existing financial and legal advisors.
- We provide year-round support for plan maintenance and regulatory filings.
What people say
Trustworthy
Knowledgeable
Highly recommend
Professional service
Efficient processing
Services
401(k) Plan Design
We create customized 401(k) solutions for small businesses, including ADP/ACP testing and safe harbor options. Our experts analyze business demographics to optimize owner benefits while maintaining compliance. Services include document preparation, employee notifications, and annual testing to ensure regulatory adherence.
Defined Benefit Plans
Our defined benefit plans deliver predictable retirement income through actuarial calculations. We handle PBGC filings, funding calculations, and benefit projections while ensuring compliance with ERISA standards. This service is ideal for business owners seeking substantial tax-deductible contributions.
Compliance Testing
We conduct comprehensive non-discrimination testing including ADP/ACP, 410(b), and top-heavy requirements. Our process ensures plans meet IRS standards while maintaining tax-qualified status. We provide detailed reports and corrective action recommendations when necessary.
Annual Reporting
Our annual reporting services include Form 5500 preparation, participant statements, and Summary Annual Reports. We utilize secure web portals for efficient data collection and electronic filing, ensuring timely submission to the Department of Labor and IRS.
Retirement Plan Consulting
We provide ongoing consulting for plan modifications due to business changes or regulatory updates. Our services include coverage testing, contribution allocation analysis, and operational compliance reviews to maintain plan effectiveness and regulatory compliance.
People
Debbie Zaita
President
Certified Pension Consultant with 40+ years of experience in small business retirement plans. Holds Series 6 & 63 licenses and collaborates with clients' advisors to ensure optimal plan design and compliance.
Questions
What retirement plans do you specialize in?
We specialize in 401(k) plans, profit-sharing arrangements, defined benefit plans, and safe harbor options tailored for small businesses.
Do you serve businesses outside Long Island?
While based in Riverhead, NY, we serve clients nationwide with remote administration and consulting services.
How do you ensure plan compliance?
We conduct annual non-discrimination testing, prepare regulatory filings, and maintain documentation to meet IRS and DOL requirements.
What certifications do your staff hold?
Our team includes Certified Pension Consultants (CPC) and Qualified Pension Administrators (QPA) with securities licenses.
How are annual reports handled?
We prepare and electronically file Form 5500 series documents, distribute participant statements, and maintain audit-ready records.
Can you assist with plan termination?
Yes, we manage complete plan terminations including final distributions, IRS filings, and compliance documentation.
