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Incentivize and Reward Top Talent Employees with a 401(k) or Profit Sharing Plan

Incentivize and Reward Top Talent Employees with a 401(k) or Profit Sharing Plan

Looking to incentivize and empower your top-performing employees? Consider implementing a comprehensive and rewarding retirement plan such as a Profit Sharing and 401(k) plan. Not only will this benefit your valued employees, but as a business owner, it presents an opportunity for personal rewards as well.

At Runyan Capital, we specialize in assisting businesses like yours in identifying the most suitable retirement plan based on the size of your workforce and your specific company goals. Our experienced team will guide you through the selection process, seeking to ensure that the chosen plan aligns perfectly with your company's unique requirements and objectives.

Once the ideal plan is determined, we will aim to seamlessly support you in implementing it. We work with competitive vendors to secure favorable pricing for your plan, allowing you and your participants to add additional returns within your individual portfolios. Our commitment to excellence strives to ensure that your retirement plan is thoughtfully designed and structured to seek optimal benefits for all involved.

Invest in your employees' futures and aim for your business to soar to new heights. Contact us today to explore the possibilities of implementing a tailored Profit Sharing and 401(k) plan that aligns with your company's goals and objectives.

How We Work

1) What is the goal of your 401(k) and share‑plan advice for high‑income clients?

Our goal is to align every workplace benefit with your broader wealth strategy. We integrate 401(k) deferrals, employer matches, after‑tax contributions, and equity compensation so your retirement, tax planning, and liquidity needs move in the same direction.

2) Can you help me choose investments inside my 401(k)?

Yes. We recommend a disciplined allocation that reflects your time horizon, risk capacity, and outside assets. We monitor the plan’s fund menu, rebalance with intention, and coordinate risk across all accounts so your portfolio does not drift off target.

3) Should I use traditional or Roth 401(k) contributions?

We compare your current tax bracket with expected retirement taxes and your cash‑flow needs. High earners often benefit from a blend of pretax savings for immediate tax relief and Roth savings for future tax‑free income. The right mix depends on your income trajectory, vesting, equity grants, and planned withdrawals.

4) What is the advantage of after‑tax 401(k) contributions and the “mega backdoor Roth”?

Some plans allow after‑tax contributions above the regular elective deferral limit. If your plan permits in‑plan Roth conversions or in‑service rollovers, those after‑tax dollars can be converted to Roth for long‑term tax‑free growth. We confirm plan rules, assess cash flow, and design a conversion cadence that fits your tax picture.

5) How do you coordinate my 401(k) with employer stock in a plan or brokerage window?

We manage concentration risk and tax exposure by setting guardrails around position size, sale schedules, and diversification targets. If employer stock sits inside the plan, we evaluate strategies that protect your retirement outcome without relying on a single company.

6) Can you advise on stock options, RSUs, and ESPP alongside my 401(k)?

Yes. We build an integrated calendar for grants, vesting, exercises, and blackout periods. We model cash flow, taxes, and sale timing so your equity compensation and your 401(k) savings work as one plan rather than separate decisions.

7) What is Net Unrealized Appreciation (NUA), and is it right for me?

NUA is a tax strategy that may apply when you distribute employer stock from a 401(k). It can allow capital gains treatment on appreciation outside the plan instead of ordinary income rates. We evaluate eligibility, cost basis, timelines, and your future tax brackets before recommending any NUA distribution.

8) What happens if I change jobs or retire with multiple 401(k)s?

We review each plan’s fees, investment options, and distribution rules. Then we consolidate or roll over where appropriate, align the investments with your target allocation, and set a withdrawal strategy that supports your retirement income plan.

9) Can you help business owners in Beverly Hills design or improve a company retirement plan?

Yes. We evaluate plan design, employer match formulas, profit sharing, safe harbor structures, and cash balance plan integration for tax efficiency and talent retention. We also support investment menu selection, participant education, and a documented fiduciary process.

10) How often will we review my workplace plan and equity strategy?

We schedule proactive check‑ins around contribution deadlines, grant dates, vesting events, and year‑end tax planning. Reviews include allocation, savings rate, liquidity needs, risk, and any plan rule changes so the strategy stays disciplined and up to date.

Questions? Connect with a wealth advisor today.

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