Guideline Retirement Promo Code

Guideline Retirement pricing

Guideline Retirement features

Give your employees a retirement

• Connect all your applications

  The most popular applications can connect to Guideline including Square, Paycom, Onpay, Quickbooks, Zenefits and Rippling. Employers can easily administer the pension plan in a completely transparent and secure manner.

• Optimize HR management

  Save time and simplify each payroll cycle with Guideline. Contributions are automatically deducted with each paycheck and the employee roster is updated without you having to worry about it, so there’s no need for manual entry.

• Save on fees

  The Guideline platform does everything it can to keep investment fees low. For example, no fees are charged for one-time transactions, portfolio management fees are 10 times lower than the industry average, and annual account fees are 0.08%.

• Plan for the future with peace of mind

  Whether you’re a business owner who wants to give your employees a roadmap or a self-employed person, Guideline offers comprehensive and tailored services. Each profile can build its retirement plan step by step in a personalized manner.

• Benefit from smart investments

  Rest assured, your money is in good hands. The investment portfolios are professionally designed and automatically rebalanced. Investments are optimized for the long term and are broadly diversified to minimize risks.

• Gain tax advantages

  Guideline offers tax-advantaged retirement savings plans like Traditional and Roth IRA. Traditional IRA contributions are tax-deductible which can lower one's taxable income. Guideline also helps business owners lower their taxable income through their company 401(k) plans, and the benefits get passed onto employees.

• Flexible retirement planning

  Guideline provides employees with an easy-to-use platform where they can choose how to invest their retirement funds. They can select between 40 investment funds or create a custom portfolio with their preferred security mix. The investments can also be adjusted over time.

• Compliance and legal support

  Guideline helps businesses remain compliant with IRS regulations by providing support in testing plan limits and performing annual nondiscrimination tests. They also provide support services for audits and other legal necessities. With Guideline, entrepreneurs can save money on legal fees and stay on top of compliance requirements.

• Michelle Jones

  Perfect for Tiny Businesses, Not Suitable for Larger Ones

  In summary, I would only suggest Guideline for very small businesses looking to offer a 401(k) to their employees. As the business expands, other 401(k) providers quickly outshine them. This was our initial 401(k) system and it was simple to implement. However, it lacks features and has limited investment options. The customer service is very disappointing, with constant emails being sent and no responses received.

  September 10, 2024

• Grace A

  Disappointing Experience with Guideline Retirement

  Since my company outgrew Gusto, we've been dealing with numerous problems. We transitioned to a payroll system that could handle more employees and Guideline assured us they could manage changes like employee contributions, new hires, terminations, and employer contributions. However, their slow response time has resulted in us being charged for the earnings our employees would have made if Guideline had made the contributions sooner. As of yesterday, they hadn't even made the employer contributions from the first January payroll. They're asking us to update owner information for compliance testing, but their system doesn't let us add all the owners, leading to failure. I've contacted them via email but I don't anticipate a response for at least a week. We're contemplating legal action to force them to comply. The audit, which wouldn't be necessary if Guideline allowed us to modify our plan document, is going to be a nightmare due to their poor performance. When we were with Gusto, things were fine.

  August 31, 2024

• Rose F

  Effortless Ease.

  I find the guideline-retirement software simple and easy to manage with great funds and a user-friendly interface for both managers and employees. My only issue is the introduction of user fees a few years ago, after we had already set it up. Despite years of advertising no user charges, they suddenly changed their stance with little warning. Nevertheless, it remains a great low-cost option.

  August 26, 2024

• Bryan Johnson

  Outstanding 41k Management Tool

  I appreciate the easy view of my investments and portfolio performance with detailed breakdowns of each dividend and investment. However, I find the week-long delay from when money is deducted from my paycheck to when it's invested in my portfolio potentially problematic as it could result in missed gains.

  August 19, 2024

Guideline Retirement: Pros & Cons

Why is Guideline Retirement better than other Employee Engagement software?