Retirement plan solutions for all size employers.
Where Experience Meets Precision
Our Mission
Making retirement work for everyone.
SMS Retirement is proud to be Cincinnati's premier retirement plan design and administration firm, delivering expert actuarial consulting, tax sheltering strategies, and qualified plan solutions to clients nationwide. Our team consists of two Enrolled Actuaries, five ASPPA credentialed members, and other staff averaging more than 20 years of experience in the retirement planning industry. We’ve built our reputation on delivering personalized service and creative, results-driven plan designs that help our clients minimize tax liability, attract and retain employees, and secure long-term financial success.
Making Retirement Work for Everyone
Personal Design. Objective Advice. Nationwide Reach.
At SMS Retirement, we combine deep actuarial expertise with the national scale and resources of Strongpoint Partners, giving our clients the best of both worlds. From sole proprietors like physicians, dentists, attorneys, CPAs, and professors seeking solutions such as a 401(k), Cash Balance, or DB/DC Combo Plan, to employers across Cincinnati and the surrounding region, our team designs strategies tailored to your goals. The result? Minimized tax liability, maximized retirement savings, stronger employee attraction and retention, and reduced risk through creditor protection.
5
Enrolled Actuaries
5
ASPPA Credentialed Members
20+
Avg. Years of Industry Experience
1,700+
Retirement Plans Administered
Backed by Strongpoint’s national infrastructure and resources, so we can meet any challenge.
375+ Retirement Consultants
|
~1K New Plan Designs/Year
|
32K+ Total Plans Administered
|
$54B+ Assets Under Management
|
~9.5 Avg. Years of Client Tenure
|
35+ Avg. Years of Design Specialist Tenure
|
375+ Retirement Consultants | ~1K New Plan Designs/Year | 32K+ Total Plans Administered | $54B+ Assets Under Management | ~9.5 Avg. Years of Client Tenure | 35+ Avg. Years of Design Specialist Tenure |
Your Plan. Your Goals. Our Expertise.
Our unique approach is customized with your retirement goals in mind, and we act efficiently with precision to help you secure your financial future.
Every organization approaches its retirement plan from a unique perspective. Business owners want to maximize retirement savings and reduce tax exposure, while HR and finance teams navigate complex fiduciary responsibilities and evolving DOL and IRS regulations. We know there's no one-size-fits-all solution. Our independent approach means you can count on objective advice focused on your best interests, so we concentrate on plan design and administration while your financial team can focus on what they do best. We begin by understanding your goals, then tailor our approach to align with what matters most to you. Scroll to see how we serve you throughout the year. This timeline is a sample that represents deadlines related to calendar year 401(k) plans.
Annual Data Request Management:
12/15 – 1/15
Data Cleansing & Validation:
1/15 – 6/15
Annual Contributions & Annual Testing:
2/1 – 4/15
Asset Reconciliation:
3/15 – 8/31
Annual Reporting:
4/15 – 10/15
Year End Projections:
Nov - Dec
Annual Notices:
Nov - Dec
For Our Trusted Partners
We value and prioritize our partnerships with Financial Advisors, Accountants, and Recordkeepers.
Great client outcomes begin with a strong, collaborative team. When financial advisors, accountants, and third-party administrators are aligned around shared values, such as transparency, accuracy, and a client-first mindset, no retirement challenge is too complex to tackle. At SMS Retirement, we concentrate on plan design and administration so our partners can stay focused on investment performance and client relationships. Our independent model means you can always count on objective, focused advice. Let's connect and explore how we can work together to elevate your clients' success.