For new plan inquiries and support, or if you are an employer with a retirement plan administered by Cetera Retirement Plan Specialists:
(888) 926-0600
To contact us via mail:
Cetera Retirement Plan Specialists
P.O. Box 303
St. Cloud, MN 56302
Our Solo(k) plan is created specifically for self-employed individuals, giving them opportunity for greater retirement and tax savings while offering the greatest flexibility in funding and a full range of investment options.
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Our Solo(cb) plan is a one-participant pension plan for self-employed individuals, affording them the opportunity to take advantage of retirement and tax limits which may not be accessible in another retirement plan.
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Whether as a start-up 401(k) plan or a replacement for a SIMPLE or a SEP IRA, our Easy(k) plan gives businesses with up to 100 employees an easy-to-operate, turnkey 401(k) plan with the benefits of professional money management.
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Our Custom(k) plan lets businesses offer a comprehensive 401(k) plan that utilizes top turnkey investment providers, including open architecture solutions, without having to compromise any flexibility in funding or agility.
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Designed for businesses looking to go beyond the limits of a 401(k) plan, our Defined Benefit Plan is a qualified retirement plan that may allow for additional retirement savings of up to $1 million to $2 million.
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Ideal for businesses with multiple owners interested in larger tax deductions and accelerated retirement savings, our Cash Balance Plan allows owners with divergent savings objectives to meet their individual goals.
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Affiliated Entities
Cetera Retirement Plan Specialists may provide third party administrative services (TPA) to clients of financial advisors who are affiliated with its family of broker-dealers and registered investment advisers. Cetera Retirement Plan Specialists is part of Cetera Financial Group. Cetera Retirement Plan Specialists and its related entities operate independently and there is no requirement for retirement plan clients of Cetera Financial Group firms to engage with Cetera Retirement Plan Specialists.
The IRS requires an Employer Identification Number (EIN) for sole proprietors who establish a retirement plan.
Generally, a sole proprietor who (1) has no employees and (2) doesn't file any excise or pension plan tax returns doesn't need an EIN. In this instance, a Social Security Number (SSN) may be used as the Taxpayer Identification Number (TIN).
However, an EIN is required when a sole proprietor creates a retirement savings plan.
The fastest and easiest way to apply for an EIN is via the EIN Assistant directly on the IRS website. An EIN will be issued immediately so you can complete your retirement plan set-up request.
A few tips before you proceed:
If you have any questions, please email us at retirement@cetera.com or call us at (888) 926-0600.
This information provided is for informational and educational purposes. It is not intended to provide, and should not be construed as ERISA, tax, or legal advice or guidance. Employers should consult a qualified tax or legal advisor regarding their specific situation.
Affiliated Entities
Cetera Retirement Plan Specialists may provide third party administrative services (TPA) to clients of financial advisors who are affiliated with its family of broker-dealers and registered investment advisers. Cetera Retirement Plan Specialists is part of Cetera Financial Group. Cetera Retirement Plan Specialists and its related entities operate independently and there is no requirement for retirement plan clients of Cetera Financial Group firms to engage with Cetera Retirement Plan Specialists.
PLEASE NOTE: The links above to third-party websites are provided for your convenience. When you click on these links, you are leaving Cetera’s website. Cetera is not responsible for the content, terms of use, or privacy policies of these third-party sites and is not liable for any technical issues or other consequences arising out of your access to or use of these sites or the technology, information, or programs made available therein.
Affiliated Entities
Cetera Retirement Plan Specialists may provide third party administrative services (TPA) to clients of financial advisors who are affiliated with its family of broker-dealers and registered investment advisers. Cetera Retirement Plan Specialists is part of Cetera Financial Group. Cetera Retirement Plan Specialists and its related entities operate independently and there is no requirement for retirement plan clients of Cetera Financial Group firms to engage with Cetera Retirement Plan Specialists.
"Our mission is to support financial professionals as they help businesses with workplace retirement savings programs so employees can turn financial aspirations into reality." President
Cetera Retirement Plan Specialists
Affiliated Entities
Cetera Retirement Plan Specialists may provide third party administrative services (TPA) to clients of financial advisors who are affiliated with its family of broker-dealers and registered investment advisers. Cetera Retirement Plan Specialists is part of Cetera Financial Group. Cetera Retirement Plan Specialists and its related entities operate independently and there is no requirement for retirement plan clients of Cetera Financial Group firms to engage with Cetera Retirement Plan Specialists.
We look forward to assisting you. A member of the Cetera Retirement Plan Specialists team will contact you soon.
I want to address the recent events regarding Silicon Valley Bank (SVB) and other financial institutions facing similar challenges. Clearly, there are some that believe this is reminiscent of 2008 and as a result we see charged emotions, fear, and speculation in the market.
