Retirement Programs

Retirement Program

New Member Benefit: Multi-Employer 401(k) Program!  

PHCC now offers multi-employer 401(k) program as a member benefit! PHCC members can choose among several program options offered by Lincoln Financial. Check out the information below to see the cost-effective programs that are available now to offer to your employees and learn more about the benefits of offering a Multiple Employer Aggregation Program (MEAP). Learn How a 401(k) Program Can Help Companies Attract and Retain Employees!

“We were able to transfer our existing [retirement] program to this new plan and take advantage of group pricing.” – Karen DeJong of Baxter Comfort Solutions 

“Offering a retirement plan definitely helps our business attract new hires.” – Karen Hill of HM Plumbing

"When this opportunity arose and I saw the low cost of entry, we jumped at the chance to change to a 401(k) [originally had a Simplified Employee Pension Plan IRA]. Offering a retirement benefit through PHCC’s Multi-Employer 401(k) Program definitely gives us an edge in competing for employees.” – Laura Ciriello-Benedict of Ciriello Plumbing Company

 Lincoln Financial

  1. PHCC Announcement (PDF)
  2. Is a multiple-employer 401-K program right for you? (Video)
Are you interested? Schedule your free consultation here!


Certified Financial Services, LLC 

As a comprehensive financial planning firm and member of The Guardian Network, Certified Financial Services, LLC, matches clients with retirement planning services that meet their specific needs. Note: If you do not qualify for a multi-employer retirement program, CFS offers other options, including those for sole proprietors. Reach out to this registered representative for more information:

William G. Roerden
[email protected]

Registered Representative of Park Avenue Securities LLC (PAS). Securities products offered through PAS, member FINRA, SIPC. PAS is a wholly-owned subsidiary of Guardian. Certified Financial Services, LLC is not an affiliate or subsidiary of PAS or Guardian. The Guardian Network® is a network of preferred providers authorized to offer products of The Guardian Life Insurance Company of America (Guardian), New York, NY and its subsidiaries. Certified Financial Services, LLC is an independent agency and not an affiliate or subsidiary of Guardian. 2020-104909 Exp. 7/22

Not a member? Click here to learn the advantages of joining PHCC.

Note: Some state PHCC chapters, including California and Wisconsin, offer similar programs and services. Please check with your state for potential availability in your area before contacting CFS advisor.