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In this episode of The Moss HR Minute, Nicole Moss, Co-Founder of Moss Consulting HR Services, sits down with John Alvarez, a Retirement Plan Advisor with IMA Retirement. This conversation tackles a critical topic that many small and mid-sized business owners view as a heavy administrative burden or overhead expense: employer-sponsored retirement plans.
John shifts the perspective entirely, breaking down how a well-designed retirement program functions as a strategic total rewards tool, an aggressive talent acquisition engine, and a major tax-advantage savings vehicle for the owners themselves . He walks through the threshold of when a growing business should look beyond simple individual options and explore the massive flexibility of a true 401(k) framework .
Key topics discussed in this episode include:
- The Growth Inflection Point: Why hitting 8 to 12 full-time employees is the ideal starting window to upgrade your corporate retirement strategy.
- 401(k) vs. SEP vs. Simple IRA: Unpacking the administrative trade-offs, contribution limits, and structural flexibility of each plan type .
- High-Risk Compliance Pitfalls: The severe operational and financial penalties associated with late payroll deposits, administrative notices, and failed discrimination testing .
- The "Co-Pilot" Advisory Model: What business owners should demand from an active advisory firm, including rigorous vendor benchmarking and transparent plan governance .
- Beating the Odds in the Talent War: Leveraging Safe Harbor provisions and Roth options to secure top-tier talent without draining company margins .
- Massive New Tax Incentives: Navigating up to $5,000 in annual startup credits and specialized matching contributions under the modern tax code .
John highlights that while group medical sits at number one, a strong retirement plan is consistently rated by employees as the second most vital piece of an organization's total rewards package. John delivers this masterclass on future-proofing your human capital—all explained within one Moss Minute.
Guest Information
John Alvarez, IMA Retirement
Email: john.alvarez@imacorp.com
LinkedIn: https://www.linkedin.com/in/jdalvarez/
Website: imaretirement.com
Phone: Direct (469)916-3211 | Mobile (214)632-0555
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www.mossconsulting.com
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IMAAS is not part of the Moss Consulting Group and does not share views or opinions. This communication is not a solicitation or offer to sell securities or investment services. All content and communication are for general informational purposes only and does not guarantee future performance or success. No cash or non-cash compensation, directly or indirectly, was provided. Investment advisory services provided by IMA Advisory Services, Inc. (IMAAS), doing business as IMA Retirement.
IMAAS is an investment adviser registered under the Investment Advisers Act of 1940 (CRD #112091). Registration as an investment adviser does not imply any level of skill or training. IMAAS is also a registered insurance agency. The oral and written communications of an adviser provide you with information about which you determine to hire or retain an adviser. For more information please visit: https://adviserinfo.sec.gov and search for our firm name.