SIMPLE. CUSTOM. EFFECTIVE.

Retirement Plans

About Us

We offer a simple and custom, cost-effective 401(k) solution designed to ensure that both our clients and their employees retain a greater portion of their retirement savings. Our 401(k) plans are straightforward to manage, complemented by interactive educational initiatives, fiduciary assistance, and individualized support from a licensed Financial Professional.

A hand stacking smooth, rounded stones on a sandy beach near the water, with larger rocks in the background.

A digital illustration of an online financial or investment webpage with a dollar sign, bar chart, and data sections.

Low Cost Investments

Our investment offerings are robust with Exchange Traded Funds and Mutual Funds from some of the largest money managers in the world (i.e. Vanguard, T. Rowe Price, BlackRock, and American Funds, to name a few).

Computer monitor with gears, symbolizing settings or system configuration.

Simple Administration

We simplify administration so that the plan trustees and fiduciaries can spend their time focusing on their business not plan provisions, amendments and tax documents.

Line drawing of a handshake with a dollar coin above it, representing financial agreement or transaction.

Fiduciary Support

Your Fiduciary responsibility should not have to be a burden on you. We partner with some of the industry's leading 401(k) plan fiduciaries to make sure your plan and its investments stay compliant.

Three people with speech bubbles above their heads, one with a heart, one with a thumbs-up, and one with a star.

Advisor Relationship

Lower cost doesn't mean impersonal. We provide a 401(k) solution with a personal Advisor to work closely with you and your employees to help on their journey to retirement readiness.

Three people with speech bubbles above their heads showing a heart, a thumbs-up, and a star.

Digital Engagement

We provide an interactive financial wellness program with live workshops, a personalized website and access to a licensed Financial Professional.

Group of six professionally dressed people standing together on a staircase inside a building with large windows.

Our Team

Since 1994, The Bulfinch Group has provided financial services founded on integrity, character, and a commitment to community. Our simple, cost-effective 401(k) solutions help employers and their employees retain more retirement savings through interactive education, fiduciary support, and personalized guidance from licensed Financial Professionals.

MEET OUR TEAM

Our Solutions

Person using a calculator and a pen, working on financial documents and charts on a desk, with a keyboard nearby.

401(k) Plans

A 401(k) plan is the cornerstone retirement benefit for growing businesses that want to attract and retain top talent. We design and manage customized 401(k) solutions that fit your company structure, simplify administration, and keep you compliant. From investment oversight to employee education, we help you create a plan that works hard for your business—and even harder for your employees’ futures.

Overhead view of a person with clasped hands, wearing a watch, sitting at a white desk with a laptop and a green plant in the top left corner.

Simple IRAs

For small businesses looking for a streamlined and cost-effective retirement plan, a SIMPLE IRA delivers powerful benefits without complexity. These plans offer easy setup, minimal administrative requirements, and meaningful tax advantages for both owners and employees. We help you determine if a SIMPLE IRA is the right fit and guide you through every step of implementation and ongoing support.

Two business people shaking hands over a conference table with documents, notebooks, a calculator, and electronic devices.

SEP PLAN

A Simplified Employee Pension (SEP) plan provides business owners with maximum flexibility and high contribution limits—ideal for those who want to save aggressively while keeping administrative burdens low. Whether you’re self-employed or managing a small team, we help ensure your SEP plan is structured to support your financial goals and maximize tax savings.

A glass cup filled with various coins, with a green plant sprouting from the coins, set against a textured blue background.

Cash Balance

Cash Balance Plans are powerful retirement vehicles for profitable businesses seeking larger tax deductions and accelerated retirement savings. These hybrid plans combine the stability of a defined benefit plan with the clarity of an account-based structure. We design and manage Cash Balance Plans that integrate with your existing retirement offerings, helping owners and key employees build wealth more efficiently.