At our firm, 401(k) strategies is not a commodity service—it’s a strategic, fiduciary-driven process designed to improve outcomes for both employers and participants.
We specialize in working with business owners, executives, and professional firms who want their retirement plan to be an asset—not a liability.
If your 401(k) feels neglected, expensive, or outdated, it may be time for a higher-level approach.
We help employers fulfill their fiduciary responsibilities by proactively reviewing fees, investments, and plan design—reducing risk while improving transparency and governance.
We analyze your current plan structure and redesign it when appropriate to improve participation, increase savings rates, and align the plan with your company’s goals—whether that’s talent retention, tax efficiency, or executive benefits.
Many plans are unnecessarily expensive. We benchmark provider, investment, and administrative fees to ensure your plan remains competitive and cost-efficient without sacrificing quality.
Our process includes disciplined investment selection and ongoing monitoring, helping participants access diversified, institutionally minded investment options tailored to their time horizon and risk profile.
For owners and highly compensated employees, we explore advanced strategies—such as plan design enhancements and complementary executive benefit planning—to help maximize retirement accumulation within IRS guidelines.
Well-informed participants make better decisions. We provide clear, practical education that helps employees understand their plan, increase confidence, and take control of their financial future.
Get personalized strategies built around your goals — not a one-size-fits-all retirement product.
Get access to top-tier carriers, including MassMutual, vetted by a firm with 30-plus years of experience.
You are not alone in your journey. Partner with us.
Navigating retirement, executive benefits, and legacy planning can feel like wading through a hundred disconnected products with no one to make sense of them. At Thomas A. Ables & Associates, we offer clarity instead of guesswork — one strategy, built around your numbers, backed by carriers we’ve vetted ourselves over more than 30 years in this business.
Partner with us, and the stress and second-guessing fall away, so you can focus on what actually matters: enjoying life, and building lasting security for the people who matter most.
