Plan design
Structure contributions, eligibility, and investment menus that fit your workforce.
We specialize in 401(k) retirement planning
Education-first guidance for employers designing, launching, and reviewing retirement programs.
For employers
The power of a retirement plan
To hire — and keep — top talent, you must compete with other offers. When compensation is similar, a well-structured 401(k) plan can make a meaningful difference in recruitment, retention, and employee financial wellness.
Starting a retirement plan can feel daunting if you have little experience as a plan sponsor. South Texas Wealth works with you to design and launch your program, and we stay focused on making sure you understand each step along the way.
How we help
From plan design to ongoing review
We support plan sponsors at every stage — whether you’re launching a first-time plan or evaluating an existing program.
Launch support
Step-by-step guidance so you understand sponsor responsibilities from day one.
Participant education
Clear communication that helps employees make better long-term decisions.
Plan reviews
Regular evaluation of fees, investments, and whether the plan still matches goals.
Working with a specialist
We help you understand your options and liabilities, including co-fiduciary and investment fiduciary roles, so you can choose the level of support that fits your organization.
- 3(21) Co-Fiduciary — “Help me” with shared decision-making
- 3(38) Investment Fiduciary — “Do it for me” with broader investment responsibility
Plan reviews that create clarity
Regular plan reviews help employers evaluate fees, investments, participant communication, and whether the plan still matches company goals. We look at total plan cost, fund performance, auto-enrollment features, and whether employees are on track to retire with dignity.
South Texas Wealth also supports related employer plans including profit-sharing and cash balance arrangements — always with an emphasis on education and fiduciary awareness.
Education first
Your employees deserve clear guidance
A retirement plan is only as strong as the decisions participants make. We help employers communicate plan features, investment options, and savings behaviors in plain language — so your team can act with confidence.
Schedule a plan review