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Does all the talk about Social Security going broke worry you? Are you like most Americans and have an expectation that after a lifetime of working, you will be able to enjoy a comfortable retirement?

If so... Start Saving Now - Click Here!

Do you currently have a systematic savings plan for your retirement goals? If you compare what you have been able to save; to what you have earned over the last 10 years…are you happy?

If not... Get started paying yourself first - Click Here!

The problem today is that it is all up to you to provide financially for your family’s future. With Freedomflex®, we put you in the driver’s seat with an affordable way to take charge. Your money CAN work for you protecting your family and saving for your future needs. Start Saving Today - Click Here!

When It Comes to Saving, It’s Getting Late Early. According to the Employee Benefit Research Institute, 46% of all American workers have less than $10,000 saved for retirement and 29% of all American workers have less than $1,000 saved for retirement. Don’t Wait, Start Now - Click Here!

Those Cat Food Jokes Aren’t So Funny Anymore... One out of every six elderly Americans is already living below the federal poverty line, according to the U.S. Census Bureau.

Don’t want to be the butt of the joke? Start Saving Today! - Click Here

Business Owners:    Do you have a retirement plan?

Allow our pension professionals to review your plan or situation to provide you with a FREE QUALIFIED SECOND OPINION. You may not be receiving the maximum contribution allowed under the law. Have your plan reviewed today for increased benefit opportunities.

Allow the pension professionals to provide you with a FREE LOOK AT A PLAN DESIGN that meets the goals and budgets of you and your employees. Please remember any entity can have any type plan! We can design a plan to fit any budget- no amount is too small or too great-and- we may be able to show you how it is costing you money not to have a plan!!!


New Dimensions in Pensions

If you are a small business owner seeking a retirement funding opportunity, or evaluating your existing retirement plan, you are probably seeking the ultimate financial goal:

...To Accumulate, Preserve, and transfer wealth.

You’ve worked hard to achieve your successful financial standing. Now you are ready to reap the rewards of that financial success with a prudent, carefully planned strategy to help you achieve your financial goal.

But just how do you do that, and is there a way to combine achieving your financial goals with reducing your current taxes?


The challenge for you as a small business owner is to determine what is the most beneficial way to build your assets. Both from an accumulation and tax-saving viewpoint; so that they will be available to help you achieve your retirement goals.


  • 401(k)
  • Safe Harbor 401(k)
  • Simple IRA
  • Profit Sharing
  • Money Purchase
  • Defined Benefit
  • 412(E)(3)


There are many variations of these plans, but this should give you an idea of the retirement planning opportunities available to you as a small business owner or professional. By taking advantage of tax law changes and innovative ideas based on your particular situation, you may be able to convert current taxes to assets, defer tax payments, and generate the retirement income you desire.


Working with your CPA and financial advisor, we offer a complete process to assess your individual situation and determine your long term goals and objectives. All you have to do is complete a simple census form… From this initial discovery phase, we help determine which type of retirement plans may best meet your goals and objectives. Once a plan type is chosen, we can also recommend the best way to implement and administer the plan to meet your retirement needs. From the case design to product fulfillment to annual administration… we can handle the complete package.

There is no fee for this discovery and design process, but there could be a cost …the cost of continuing to pay taxes that could be working for you and your small business in achieving your financial goals.


With over 30 years of experience in administering pension plans, not only will we work in partnership with you and your advisor to help design the best retirement plan to meet your financial goals, we can also maintain it.

We offer comprehensive package of plan designs, documentation, installation, and annual administration for a very moderate fee. This complete package gives you the peace of mind that your plan will be maintained in compliance with all government regulations, leaving you to do what you do best …Running your business.


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W.R. Peiffer & Associates, Inc. specializes in Wealth Accumulation Planning. We work with individuals, small businesses and the self employed in Illinois and Indiana.