Business Center

Employer Sponsored
Retirement Plans


Employer Sponsored Retirement Plans aren't just for big companies

Employers face many challenges when it comes to attracting and retaining qualified employees. Providing a valuable retirement package in the form of defined benefits and/or defined contributions may help an employer to garner the additional skill sets they need and entice employees to their organization.

For many employees, retirement has become known as the "golden decades". Many employees are living well into their 90s. For retirees, there are three “legs” to retirement income sources — social security, personal savings and employer-provided retirement plans. An additional income source beyond personal savings and social security can enable a retiree to maintain a standard of living with some dignity and respect.

As a business owner, your reasons for implementing a qualified retirement plan go far beyond securing federal income tax benefits for the business. Qualified retirement plans can help your business to recruit high-quality employees, retain their services and enhance good employer-employee relationships.

When it comes to attracting and keeping good employees, a firm with a qualified retirement plan is at a distinct competitive advantage to those without these types of plans. More importantly, businesses with qualified retirement plans may deduct plan contributions off their taxes as a necessary and ordinary business expense. So in essence, through this tax deduction, the government is subsidizing your qualified plan benefit expenses.

Securities products and services are offered through Park Avenue Securities LLC (PAS) 244 Boulevard of the Allies, Pittsburgh PA 15222 1.412.391.6700. PAS is an indirect wholly-owned stock subsidiary of Guardian. Neither Lifetime Financial Growth, LLC. nor Luttner Financial Group Ltd. are affiliates or subsidiaries of PAS or Guardian.


PAS is a member FINRA, SIPC.


The Information on this site is intended for the residents of Pennsylvania, Ohio, West Virginia, and Maryland. The financial representatives of Lifetime Financial Growth are not licensed to sell securities in all 50 states. To find out if an agent is licensed in your state, please contact Cheri McElroy at 412-391-6700.


We are licensed to sell Insurance in the following states: Pennsylvania,Indiana, West Virginia and Ohio.


Guardian, its subsidiaries, agents or employees do not give tax or legal advice.

The Living Balance Sheet® and the Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. The graphics and text used herein are the exclusive property of Guardian and protected under U.S. and International copyright laws. © Copyright 2005-2012, The Guardian Life Insurance Company of America


Guardian does not offer Property & Casualty and Individual Health nor do we provide services for them. Disability income and long term care insurance underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Product provisions and features may vary by state.


Important Consumer Information: A broker-dealer "BD", investment advisor "IA", a BD agent, or IA Representative may only transact business in a state if first registered in the state, or is excluded or exempt from registration in that state as a broker-dealer, investment advisor, BD agent, or IA Representative, as appropriate. Follow-up individualized responses to persons in a state by such a firm or individual that involves either affecting or attempting to affect transactions in securities, or the rendering of personalized investment advice for compensation will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker-dealer, investment advisor, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.


This Internet site may contain general information about various investment products. The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. Such information is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.