Employer Retirement Plans

Our retirement plan options help your business attract and retain valuable employees and maximize income tax benefits.

Plan Types

We will customize a solution to your needs, starting with a review of the options, including:

• 401(k)
• Cross-Tested
• Defined Benefit Pension
• Employee Stock Ownership
• Money Purchase Pension
• Profit-Sharing 

Plan Services

Our experienced professionals are there for you throughout the life of your plan with:

• Analysis and Design
• Annual Administration
• Audit and Compliance Assistance
• Employee Education
• Online Access
• Participant Distributions
• Plan Terminations
• Tax Reporting

Investment Guidance

You may choose to have the Bank manage all plan assets, or allow employees to direct their own investments. Based on your preferred level of involvement, we can provide:

• Comprehensive Portfolio Management
• Participant-Directed Accounts
• Managed Allocation Programs

Local Solutions, Local Service

When your business chooses Saratoga National Bank and Trust Company, you receive hands-on local service backed by competitive pricing and a range of solutions. Ask us for a consultation today.

For more information on Employer Retirement Plans, contact Tracey Norman, Vice President, Wealth Management, at (518) 415-4436.