Employers
PayLink IRA is a premier Payroll Deduction IRA provider. Payroll Deduct IRAs can be a no-cost, no-fuss alternative to employer-sponsored plans like 401(k) and are a great answer for small to mid-sized employers looking to help employees save for retirement.
Want to know more? Here’s what the IRS says about them.
Are you a CEO or CFO seeking alternatives to your company's retirement plan offering? Looking for ways to ease administrative burden and reduce fiduciary liability?
Want to know more? Here’s what the IRS says about them.
Are you a CEO or CFO seeking alternatives to your company's retirement plan offering? Looking for ways to ease administrative burden and reduce fiduciary liability?
- PayLink IRA was created by a group of like-minded investment management, employee benefits and insurance professionals to create better outcomes for investors, employees and employers. Specifically, PayLink IRA was created to provide a cost-effective alternative to traditional employer-sponsored plans such as 401(k)s.
- Our average account opening time is roughly 10 minutes!
- Americans are grossly underfunded for retirement.
- Payroll IRAs have been around for many years, but until PayLink IRA they were too expensive, mostly offered only in retail investment accounts, by investment managers. PayLink IRA is bringing Institutional to the Individual!
- PayLink IRA provides a "no-cost" alternative to "traditional” plans for the employer. Pooling the investments, like bigger plans do provides very attractive pricing to the individual employee while offering a myriad of potential investments for the IRA investor.
- PayLink IRA removes the administrative headache while providing an attractive and efficient (payroll delivered) means to invest for retirement.
- Through systematic payroll investing, the employee takes advantage of dollar-cost averaging (slow and steady investing, over time) to positively impact returns on a long term basis.
- PayLink IRA has leveraged decades of research and know-how to create a new way to offer retirement savings options as an "Employee Benefit" while also ridding the company from the enhanced fiduciary burden of acting as a retirement plan administrator.
- PayLink IRA provides employees with their very own individual retirement account with the "set-it-and-forget-it" ease of payroll processing. PayLink IRA offers self-directed custom fund lineups carefully selected from thousands of investment choices at institutional prices (which saves you money). Or choose from one of our five distinctive and conflict-free “do-it-for-me” Custom Target Date Portfolios - for those investors seeking an advice-based investment.
- PayLink IRA can be offered as a substitute for traditional group retirement plans or in addition to a corporate 401K or pension plan.
- Robust user (employee) experience. Industry leading custody/clearing partner.
- Best of all: for the EMPLOYER, there is no administrative cost or mandated matching responsibility. Matching contributions are available to the employer on an optional after-tax basis to assist in increased participation.
OPEN YOUR PAYLINK ACCOUNT
Choose from one of our five distinctive and conflict-free “do-it-for-me” Custom Target Date Portfolios - for those investors seeking an advice-based investment.
Choose from one of our five distinctive and conflict-free “do-it-for-me” Custom Target Date Portfolios - for those investors seeking an advice-based investment.
Opening a new account only takes about 10 minutes. All you'll need are the following:
- Password
- Beneficiaries full names, addresses, and Social Security numbers
- Bank routing and account number
