Coordinated Employee Retirement Account (CERA)403(b)
Program for 501(c)(3) Organizations The principal objective
of the CERA program is to provide the employer with an effective
means of communicating the concept of the 403(b) program to
employees. This concept converts a typically fragmented approach
to employee 403(b) retirement planning to a coordinated approach;
one that is organized, controlled, accountable and professionally
managed. Centralized billing and administration allows the
facility to send on check for distribution to all 403(b)carriers.
Our employee communication system includes; group meetings,
individual counseling and customized literature. Retirement
Planning403(b), 401(k), Money Purchase, Profit
SharingAdministrationPlan installation and renewal
services. Plan documents. Record keeping. Annual plan
service. Non-discrimination testing. Plan compliance service.
CommunicationSystematic employee enrollment.
Customized posters, payroll inserts and plan booklets. Group
presentations using a customized slide presentation. Individual
employee counseling sessions. InvestmentsOffered
through registered representatives of Walnut Street Securities, Inc.
Mutual Fund custodial accounts from over 100 fund families.
Fixed and Variable Annuities from major insurance carriers.
ServiceA primary focus. Participant account administration. Employer
plan administration and compliance support. Retiree support. Employee
BenefitsTo help attract and retain employeesGroup
Insurance Plans Life Health Dental Long Term Disability Income
Short Term Disability Income Flexible Benefit PlansFull
implementation and administration. Premium Only Plans
Flexible Spending Accounts Full Cafeteria Plans Voluntary
Payroll Deduction Plans Life Insurance Short Term Disability
Insurance Voluntary Investment Program (VIP) Executive
BenefitsImplementation and administration services
Executive Bonus Plans Group Term Life and Disability Income
Insurance "Carve-out" Plans. Salary Continuation. Selective
Management Compensation. Severance Pay Plan. Split Dollar Life
Insurance. Voluntary Employee Benefit Association (VEBA) Plans.
Voluntary Investment Program VIPPayroll deduction investment
strategies for employees. The VIP enables employees to
invest after tax dollars, through payroll deduction, into
a variety of investment and savings options. Whether the goal
is a comfortable retirement, education, travel, a new home
or simple to accumulate money for a rainy day, the VIP can
help with a four step process... 1. Defining your goals. 2.
Reviewing your current situation. 3. Determining risk tolerance.
4. Establishing your strategy. Other Services Estate
Planning - Complete review and analysis. Investment Review
- Asset review and repositioning. IRA Analysis. Seminar
Modules College Education Funding Strategies - Personal
Money Management Series REAP - Retirement Enrichment Awareness
Program Retirement Planning