P.O. Box 1808
Spartanburg, SC 29304
(864) 485-0370
James F. Joyner CPA, CVA, CPC, AIFAtm

Feasibility studies for new and existing retirement plans
Assistance in drafting plan documents and amendments
Analysis of total employee compensation programs
Consultation on fringe benefits – life insurance, medical benefits, disability, cafeteria plans, company cars

Simple IRAs
Simple 401(k) plans
Safe harbor and other 401(k) plans
Profit sharing
Employee Stock Ownership Plans
Employee Stock Purchase Plans
Cross-tested (new comparability) plans
Pension plans

Once you’ve designed and implemented your plan, you need to know the plan is being administered effectively. You’ll benefit from our knowledge and experience in the following area

Ongoing analysis to ensure your plan complies with the changing laws and maintains its qualified (tax-advantage) status
Trust accounting, including asset valuation
Preparation of reports for filing with various government agencies
Preparation of reports to participants
Preparation of forms for terminated participants
Ongoing analysis to ensure the employer’s goals and the employee’s needs are being met

And, should your plan be audited by the IRS, Department of Labor or the Pension Benefit Guarantee Corporation, we are well-qualified and have ample experience to represent you before any of these agencies.

Errors in the administration of a Qualified Retirement Plan can expose the plan and its sponsor to serious consequences, such as Closing Agreement Procedures, Voluntary Compliance Resolution or even disqualification of your plan. Your retirement plan auditors normally do not audit for these administrative errors! For your peace of mind, we provide a compliance review service to help protect your plan.

Our professionals spend many hours following the tax law and its impact on employee benefit/deferred compensation plans. We’ll focus this expertise and our years of business experience on your company to minimize problems.

Our researchers keep their eye's open for what they think are some of the better resources available to assist you in administering your 401k plan. We group common items in our COLLECTED WISDOM™ topics to make it easy for you to locate the information you need.

	Plan Limits for 2008		Guide to the Roth 401K
	Plan Limits for 2007		Investment Education or Investment Advice
	Common 401k Questions		ERISA Quick Compliance Checklist
	Investment Advice And Fiduciary Liability		Investment Committee Checklist
	The Deemed or Sidecar IRAs		Employee Education and Participation
	Are You A Fiduciary?		Crediting Participant Contributions
	Plan Limits for 2005		Guidance on Plan Expenses
	Plan Limits for 2004		401k Retirement Planning
	Plan Limits for 2003		Small Business Tax Credit
	Meeting Retirement Planning Needs		FAQs regarding Designated Roth Accounts
	Key Provisions of HR 4 Pension Protection Act of 2006

This glossary of investment and retirement related terms provides simple definitions of terms that you may need to know.