The McCulley 401(K)

Build a better plan for your business and your people.

Your 401(k) should do more than check a box.

Designed intentionally, it can help you attract and retain great people, reward your team, support your goals as an owner, and give employees a meaningful opportunity to build their financial future.

The McCulley 401(k) brings plan design, investment strategy, employee education, fiduciary support, and ongoing oversight together around one clear purpose:

Building a retirement plan that works for your people and your business.

Start with your business not the 401(K).

Before we talk about investments or plan features, we start with what you’re trying to accomplish.

Where is your business going? Who do you need to attract and retain? What should the plan accomplish for your employees, owners, and key people? And how should it evolve as your organization grows?

Those answers shape the decisions that follow.

The result isn’t simply another employee benefit. It’s a plan designed with purpose.

From vision to value™

Your retirement plan is one part of a much bigger picture.

Our Vision to Value™ approach starts with the future you’re building, then considers how your retirement plan can support the people and priorities required to get there.

The McCulley 401(k) follows a disciplined six-step process:

Vision

Define what the plan should accomplish.

Establish clear objectives for your business, owners, and employees.

Design

Build the right plan.

Structure the plan around your organization rather than forcing your business into an off-the-shelf solution.

Invest

Create the investment strategy.

Establish and monitor an investment approach designed to support the plan and its participants.

Engage

Help your people make the most of it.

Provide relevant education and support to help employees make more informed decisions about participation, contributions, investments, and retirement.

Measure

Understand what’s working.

Evaluate meaningful measures such as participation, contribution rates, investment allocation, plan loans, employee engagement, and other indicators of plan effectiveness.

Improve

Keep making the plan better.

Regularly review plan design, investments, employee engagement, service providers, and fiduciary responsibilities to identify opportunities for improvement as your organization evolves.

One approach. Different ways to built it.

Every business is different. Your workforce, ownership structure, number of participants, plan assets, objectives, and desired flexibility can all influence the right solution.

The McCulley 401(k) can be implemented through several approaches:

McCulley™ Integrated 401(K)

For businesses that want their retirement plan connected to the bigger financial picture.

A coordinated approach that considers the retirement plan alongside the needs of the business, employees, owners, and the owner’s personal financial strategy.

McCulley™ Hybrid 401(K)

For organizations looking for greater investment flexibility.

A semi-open-architecture approach offering a broader range of investment choices while maintaining coordinated plan oversight and support.

McCulley™ Custom 401(K)

For larger or more complex organizations requiring greater flexibility.

A customizable approach across plan design, investments, advisory services, participant education, plan management, and compliance support.

McCulley™ Start 401(K)

For businesses establishing their first retirement plan.

A streamlined approach designed to make launching and managing a 401(k) more straightforward, with established investment options and ongoing support as the plan grows.

A plan that gets better over time.

A strong retirement plan isn’t something you put in place and forget.

We continually look at how the plan is working for your organization and how employees are using it. That can include participation, savings behavior, investments, employee engagement, plan design, service providers, and fiduciary responsibilities.

Then we use what we learn to identify opportunities to strengthen the plan.

Measure what’s happening. Understand what matters. Improve what comes next.

Build a plan worth being part of.

Your 401(k) says something about the company you’re building and how you value the people helping you build it.

The McCulley 401(k) brings strategy, investments, education, oversight, and ongoing improvement together to help you build a better retirement plan for your business and your people.