Employer 401(k) Advice · Vermont
A 401(k) Adviser Who Is in Vermont Regularly
Vermont Saves requires many small employers that do not offer a qualified retirement plan to register with the state program. For some owners, that is the moment to ask whether a 401(k) would serve the business and its employees better.
Christian von Stackelberg is in central Vermont once or twice a month and meets with employers there by appointment. We also meet by video.
What We Do
401(k) Plan Advice for Vermont Employers
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01
Plan Design & Setup
Safe harbor, traditional, Roth and profit-sharing options, coordinated with your recordkeeper and plan administrator.
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Fiduciary Support
We help document how investments are selected and monitored, and how fees are reviewed.
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Fee Benchmarking
A side-by-side look at what your plan costs, with no charge and no obligation.
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04
Employee Education
Enrollment meetings, group sessions and one-on-one conversations for your team.
Local Considerations
What Vermont Employers Often Ask About
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01
Vermont Saves and your options
Employers that have been in business at least two years, have two or more employees and do not offer a qualified plan are expected to register for Vermont Saves. Employers that already offer a qualified plan can certify an exemption using their access code. Confirm your status on the state's site.
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02
What a 401(k) adds
State auto-IRA programs generally do not include an employer match, and IRA limits are lower than 401(k) limits. A company plan lets you offer matching or profit-sharing contributions and lets owners save more.
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Small teams and seasonal work
Many Vermont employers are small and have seasonal or part-time staff in hospitality, farming, retail and trades. Federal rules extend 401(k) eligibility to long-term part-time employees, and plan design can take that into account.
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Federal credits for new plans
Eligible small employers may qualify for SECURE 2.0 tax credits for starting a plan, adding automatic enrollment and making employer contributions. Eligibility depends on IRS rules, so check with your tax advisor.
Free Guide · 7 pages
Starting a 401(k) Under SECURE 2.0
Plan types, 2026 contribution limits, the federal tax credits for small employers, the new automatic enrollment rules and a typical setup timeline.
Common Questions
Questions Vermont Employers Ask
Employers that offer a qualified plan can certify an exemption with the state. Check the program's site for how.
Christian is in central Vermont once or twice a month and meets with employers by appointment. We also meet by video.
Often not. We can frequently serve as your plan's investment adviser alongside an independent third-party administrator without moving assets.
Yes. Send us your fee disclosure and we will review the plan's costs, investments and structure, with no cost and no obligation.
Prefer to Talk It Through?
Request a Complimentary Plan Review
Send us your plan's most recent fee disclosure and we will review its costs, investments and structure, then explain what we find in plain terms. No cost and no obligation.
This page is general information about 401(k) plans for Vermont employers. It is not individualized investment, tax or legal advice, and is not an offer to buy or sell any security. State retirement-program rules change; confirm current requirements with your state's program and your legal and tax advisors. Radius Wealth Management LLC provides individualized advice to residents of a state only where permitted. Our office is at 1 Marina Park Drive #1410, Boston, MA 02210. Meetings in central Vermont are by appointment.