401k Plans
401k plan advisors
Retirement Benefits That Work for Everyone
A well-designed 401(k) plan can be one of the most powerful tools for both business owners and employees. At Montage Wealth Advisors, we help companies in Brea and across Orange County create retirement plans that are tax-efficient, cost-effective, and easy to manage. As fiduciary advisors, we help ensure your plan design is not only compliant but also aligned with your long-term goals. From investment selection to participant education, our team provides the expertise needed to help businesses offer meaningful retirement benefits while employees build confidence for their futures.
Smarter Plans, Stronger Outcomes
Comprehensive 401(k) Plan Services
A 401(k) plan should do more than check a box—it should empower employees while protecting employers. We provide ongoing guidance to ensure your plan stays competitive and effective.
Plan Design & Setup
Customized 401(k) structures built around your company size, goals, and employee needs.
Fiduciary Oversight
Acting as fiduciary advisors, we provide objective guidance and help ensure your plan complies with ERISA standards.
Investment Selection & Monitoring
Ongoing review of investment options to help ensure employees have access to diversified, cost-efficient portfolios.
Employee Education & Support
Helping your team understand their options and make informed decisions to maximize their retirement benefits.
Plan Benchmarking & Fee Analysis
Regular evaluation of plan costs and services to help ensure competitiveness and transparency.
Tax Benefits & Business Owner Strategies
Structuring plans to help maximize deductions, reduce liability, and help owners build their own retirement savings.
Clarity for Business Owners & Employees
Frequently Asked Questions About 401(k) Plans
Do you only work with large companies?
No. We design 401(k) plans for businesses of all sizes, from small local firms in Brea to larger organizations across Orange County and beyond.
What does it mean that you’re a fiduciary for our plan?
As fiduciary advisors, we are legally required to act in the best interests of plan participants. This means we provide objective recommendations and help business owners manage compliance risk.
Can you review an existing 401(k) plan?
Yes. We frequently conduct plan reviews to identify cost savings, improve investment options, and help ensure your plan meets regulatory standards.
How do you help employees use the plan effectively?
We offer participant education, including one-on-one guidance and group sessions, so employees feel confident about their retirement savings decisions.
What are the tax benefits of offering a 401(k)?
Employers may receive valuable tax deductions for contributions, while employees enjoy tax-deferred growth on their savings. We help structure plans to maximize these advantages for both parties.