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It is becoming more common for us to see retirement plans where the owners are not able to fully fund their portion because it is tremendously expensive because of the employees.  We have a special retirement plan design that may allow you (the owner) to maximize your contributions in a very efficient way for the pharmacy cash flow.  We believe that this is one way you should be rewared for taking the risk of pharmacy ownership.  This site is dedicated helping you create a more efficient benefit for the company and fulfill your responsibilities for being a plan sponsor.

Pharmacy 401k plans are a great way to save money and provide a benefit to your employees. Please visit the website at www.pharmacy401k.com to learn more.  Below is Waypoint's blog dedicated to pharmacy 401k plans and retirement planning for pharmacy owners.

Safe-Harbor Deadlines

Posted by Tyler Campbell on Wed, Sep 06, 2017 @ 01:26 PM

A Safe-Harbor 401(k) retirement plan provides the most flexibility and benefit for business owners.

A Safe-Harbor allows owners, and participants alike, to defer the maximum IRS limit to a 401(k) without being dependent on the deferrals of other employees. Furthermore, without a Safe-Harbor in place, owners can be limited to the amount of income that can be saved in their personal 401(k) account per year. Here are some government-mandated deadlines to keep in mind when reviewing retirement benefits. 

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Tags: pharmacy 401k, retirement plans, 401k, safe harbor

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