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Lutz is a business solutions firm for people seeking a partner to help energize and heighten economic and organizational success.

Lutz Financial

Retirement Plan Services


Practical, Easy-to-Operate Retirement Plans

At Lutz Financial, we understand that your employee’s financial future is no small matter. Our team offers affordable programs that are well-designed and easy to operate. It will allow you to focus on your business while keeping more of your employees’ hard-earned money in their accounts. As a Fiduciary, we are required to act in the best interest of our plan sponsors and their employees. 

We provide advice, helpful resources, and practical retirement plan solution services that align with the unique needs of every business. Whether your business is just starting out or you have a long-established history, we have a plan to get your employees to retirement within budget and on time.



+ 401(k), 403(b), 457, SIMPLE IRA Plans
+ 3(21) Co-Fiduciary Advisory Services
+ 3(38) Investment Manager Services
+ Project-Based Consulting
      - Request for Proposal Consulting
      - Investment Lineup Analysis    
      - Recordkeeper & Third-Party Administrator Searches
+ Provide Risk-Based Model Portfolios
+ High-Quality, Low-Cost Investments 
+ Personalized Participant Education & Advice 
+ Customized Plan Design 
+ Fee Benchmarking & Provider Negotiations 
+ Fiduciary Education 
+ Target Date Fund Consulting 
+ Financial Wellness Programs
+ Cash Balance Plans
+ Defined Benefit Plans
+ Non-Qualified Deferred Compensation Plans


Pooled Employer Plans

This modern, cost-efficient solution allows any size business to come together and adopt a professionally managed retirement plan with minimal administrative burden.

Employer Benefits
+ Delegate Fiduciary Liability
+ Free-Up Resources
+ Cost-Efficiencies for Employer & Employees
+ Digital Access to Plan Functions & Information
+ Easy Account Set-Up
+ Payroll Integration
+ Investment Management
+ Automated Participant Registration


Custom Retirement Plans

Retirement planning is a complicated landscape to navigate. The advisors at Lutz Financial are here to partner with you, so you don’t have to take on the task alone. Our team is there to help answer questions and provide guidance on your unique situation.

We work to make sure you are offering a competitive retirement plan for your employees. Our experts can assist in reviewing your current providers and analyzing your plan’s investment options to find the right fit for your business. If you have an existing plan in place, we can assist in reviewing allocation strategies and guide you toward efficient administration and employee enrollment.

Employer Benefits
+ Dedicated Service Team
+ Flexible Plan Design
+ Compliance Assessments
+ Investment Management
+ Payroll Integration
+ Plan Governance
+ Free-Up Resources
+ Delegate Fiduciary Liability
+ Lutz Financial Risk-Based Model Portfolios
+ Unbiased Support from CFP® Professionals
+ Cost Efficiencies for Employer & Employees


Small Business Retirement Plans

We understand it can be difficult to find quality small business retirement plans for employees that offer the features you need at an affordable cost. Lutz Financial’s small business retirement plan is cost-effective, provides flexibility, and saves administrative time while still being managed by knowledgeable professionals.

Through the plan’s digital platform, you can easily view plan stats, manage payroll, review plan documents, and update plan information at any time. We can help you in choosing a retirement solution for your small business.

Employer Benefits
+ Easy Plan Set-Up & Onboarding
+ Cost-Efficient
+ Payroll Integration
+ Flexible Plan Design
+ User-Friendly Digital Platform
+ Dedicated Service Team

Why Lutz?

A retirement account is often the most significant balance your employees accumulate in their lifetime. Allow us to work with you to implement a plan that supports you an your team.

Financial Market Update

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Lutz Financial

News & Insights

Market Commentary
A Few Large Growth Stocks Have Driven the Market in 2023 + Market Update
Story of the Week A Few Large Growth Stocks Have Driven the Market in 2023 After an incredibly ...
May Retirement Plan Newsletter 2023
Is Your Retirement Plan "Catchy?" By offering — and encouraging — catch-up contributions, plan ...
Market Commentary
International Stock Outperformance Continues + Market Update + 5.16.23
Story of the Week International Stock Outperformance Continues In recent years, investors and ...
Market Commentary
Should Investors Be Concerned About the Debt Ceiling? + Market Update
Story of the Week Should Investors Be Concerned About The Debt Ceiling? Treasury Secretary ...
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Take the first step toward securing a financial future for you and your employees.