Start a 401(k) with Tax Credits
Starting a 401(k) may cost less than you think. See how federal tax credits may help offset startup costs and employer contributions.
Estimate My Tax Credits
Pension Maxima Investment Advisory
Build a Better Retirement Plan.
For Your Business. For Your Employees. For You.
ERISA 3(21) FiduciaryAward-Winning25+ YearsCFP® · CFA · AIF®
401(k) Benchmark Review
Find out in under a minute whether your plan fees are competitive. Then Bonnie prepares a review of your plan, built from its public Form 5500 filing.
- Fee competitivenessWhat you pay, compared with plans of your size.
- Fiduciary processWhere your documentation and oversight stand.
- Plan design efficiencyWhether the plan's features fit your goals.
- Improvement roadmapThe next steps worth taking, in order.
No cost and no obligation.Prefer to talk first? Book a callClients we serve
1Your plan
2Your concerns
3Your details
Let's build your quick plan quote
Five quick questions. Pick the closest answer.
We use it to look up your plan's public Form 5500 filing for the benchmark.
To see your estimate, add your company name or EIN, plan assets, participants, annual contributions and what you'd most like to improve.
25+
Years in pension consulting
11
Professional designations
5
Languages spoken
3(21)
ERISA investment-advice fiduciary
Clients we serve
Built for plan sponsors like you.
Is Your 401(k) Competitive?
Are you paying too much—or could your plan be better? See how your fees, investments, plan design, and fiduciary process compare.
Benchmark My PlanSave More with a Cash Balance Plan
Looking for a bigger tax deduction and more retirement savings? See how a Cash Balance Plan may allow business owners and key employees to contribute substantially more.
Explore Cash BalancePension consulting services
Everything your retirement plan needs to work better.
Plan design · Benchmarking & RFP · Investment due diligence · Fiduciary process · Employee education. Select a service to see what's included.
Maximize Plan Design
A plan designed around your goals.
From Cash Balance and New Comparability to Roth and auto-features, we evaluate the options with you and your TPA so the plan serves your business, your owners, and your employees.
- Cash Balance · New Comparability
- Roth 401(k)
- Auto-enroll · escalate · sweep
- Student-loan repayment match
Key questions
Key questions every 401(k) plan sponsor should be asking.
If you have a good advisor, these are already handled. If not, there's almost certainly room to improve your plan — and lower its cost.
How healthy is your 401(k)?
Walk through our 8-point plan checkup and see where your plan may have opportunities for improvement.
Your consultant
25+
Years advising
Bonnie Yam, Principal
Retirement Plans · Investments · Tax Strategy · Financial Wellness
Bonnie Yam has more than 25 years of experience helping business owners and plan sponsors evaluate and improve retirement plans.
Her expertise spans retirement plan strategy, investment and fiduciary oversight, tax planning, business valuation and financial wellness. She works closely with business owners, HR teams, TPAs and recordkeepers to help reduce unnecessary costs, maximize tax-saving opportunities, strengthen plan governance and improve outcomes for employees.
Bonnie holds multiple professional credentials, including CFA®, CFP®, AIF®, EA, CVA and CEPA, and brings a broad financial perspective to every client relationship.
Her approach is simple: understand what the client is trying to accomplish, identify opportunities for improvement, and help put the right strategies into action.
11 professional credentials
CFPCFAAIFCLUChFCRICPEACVACMAPCEPACSLP
Field notes from clients
What clients say.
“She is quick to respond, and I really trust her. Our employees enjoy working with her too.”
“I've used Bonnie's services for about seven years. Everything she's promised has come true — smart and knowledgeable on all types of investments.”
“Great work in an outstanding, genuine way. Her responsiveness and effective solutions made a meaningful difference for our plan.”
The next step
Stay competitive. Find clarity.
Run the quick quote, or book a plan review call with Bonnie. No card, no upsell, no obligation — just a clear read on your fees, fiduciary process, and plan design.
