Nonprofit Retirement Plans &

Financial Planning | Maryland

Financial Planning for Nonprofit Leaders in Maryland

Leading a nonprofit means you're balancing two responsibilities: building an organization that serves your mission effectively, and ensuring your team has the benefits they need to stay committed to that work. Those goals are connected: the retirement plan you offer employees directly impacts recruitment and retention, and the financial decisions you make for the organization shape your own financial security as a leader. We help you navigate both: establishing right-sized 403(b) plans that benefit your team without straining your budget, managing the investment strategy within those plans, and coordinating personal financial planning for nonprofit executives and staff, because the people advancing your mission deserve financial security too.

How We Help Nonprofit Organizations


We work with nonprofit leaders in two ways: helping you establish and manage 403(b) retirement plans for your organization, and coordinating personal financial planning for nonprofit executives and employees.


On the organizational side, we help you build 403(b) plans that actually work, right-sized for your team, transparently priced, and structured to provide meaningful benefits within your budget constraints. We're not tied to specific plan providers, which means we can evaluate options from multiple carriers and bring you honest recommendations based on what fits your organization, not what pays us the highest commission. We also provide board education on fiduciary responsibilities, helping your leadership understand their oversight role for retirement plans.


On the personal side, we help nonprofit executives and staff coordinate their financial planning with the reality of nonprofit compensation. Whether you're a development director, executive director, program manager, or board member, we help you build personal wealth despite often accepting below-market salaries in service of mission-driven work.

Establishing Competitive 403(b) Plans for Your Organization

Attracting and retaining mission-driven talent requires competitive benefits, but as a nonprofit, you need retirement plans that fit within tight budget constraints and don't create administrative burdens for your already-stretched staff. You also need transparency, because every dollar you spend on plan fees is a dollar that could otherwise advance your mission.


We help you establish 403(b) plans that are right-sized for your organization, meaning you're not overpaying for features you don't need or underinvesting in what actually matters for employee retention. Because we're independent and work with multiple plan providers, we can evaluate options honestly and recommend what fits your situation, not what earns us the highest commission.




What we help with:


We help you choose the right 403(b) plan structure (ERISA or non-ERISA) and design features that align with your goals: matching formulas, vesting schedules, automatic enrollment options, and contribution structures that provide meaningful benefits within your budget.


 We evaluate recordkeepers and investment platforms to find the right combination of service, technology, and cost. Transparent fee structures, ongoing benchmarking, and no hidden surprises—because when you're stewarding donor dollars, you need to know exactly what you're paying and why.

We coordinate plan recordkeeping, enrollment processes, compliance reporting, and Form 5500 filing (if required) so your HR team can focus on supporting your staff and mission. We also provide co-fiduciary services that help reduce organizational liability while ensuring proper plan oversight.

We build and monitor the investment menu for your 403(b) plan, ensuring employees have quality options while meeting fiduciary standards. The investments in your organization's plan get the same intentional oversight we bring to personal portfolios.



Your employees receive enrollment assistance, investment education, and ongoing support to help them make confident retirement decisions. Higher participation rates can mean better outcomes for your team and demonstrate that your organization values their service and long-term financial wellbeing.



We provide training for board members and finance committees on their fiduciary responsibilities for retirement plan oversight, helping your leadership understand what they're responsible for and how to fulfill those duties with confidence.



Personal Financial Planning for Nonprofit Executives and Staff

Many nonprofit professionals accept below-market compensation to serve missions they believe in—but that doesn't mean you should sacrifice your own financial security or your family's future. We help nonprofit executives, development directors, program managers, and mission-driven professionals build personal wealth and coordinate financial planning despite the realities of nonprofit compensation.

Investment Management

We manage your personal investment accounts, helping you build diversified portfolios that grow wealth outside your nonprofit work. Whether you're contributing to your organization's 403(b), managing rollover IRAs from previous employers, or investing in taxable accounts, we coordinate your investment strategy across all your accounts to help ensure nothing is working against itself.

Retirement Income Planning

Many nonprofit professionals work well past traditional retirement age—not because they can't afford to retire, but because they're committed to the mission. We help you plan for the retirement you actually want, whether that's full retirement, phased transition, or continuing in a reduced capacity. That means coordinating Social Security timing, 403(b) distributions, personal savings, and any pension benefits to help create sustainable income.

Estate Planning Coordination

We work alongside your attorney to help ensure your estate plan reflects your values—whether that includes charitable giving to organizations you've served, providing for family, or creating legacy gifts that continue your life's work.

Insurance & Risk Management

Nonprofit compensation packages often include limited disability coverage or life insurance. We help you evaluate whether your family is adequately protected and coordinate personal insurance coverage to fill gaps in your employer-provided benefits.

Resources for Nonprofit Leaders

Explore resources designed to help you make informed decisions:

Educational Workshops & Events

Join our workshops covering 403(b) plan options, fiduciary responsibilities, and financial planning for nonprofit professionals.

View Upcoming Events →

Financial Planning Insights

Read articles on retirement plan design, nonprofit financial management, and personal financial planning.

Explore Our Blog →

Free Planning Guides

Access our resource library organized by goals: financial security, growth, retirement, and legacy.

Access Resources →

Let's Start the Conversation.

Your team dedicates themselves to your mission every day, they deserve a retirement plan that honors that commitment, and you deserve personal financial planning that recognizes the trade-offs you've made in service of mission-driven work.


Schedule a complimentary consultation to discuss your organization's 403(b) plan options, explore board fiduciary education, or talk about personal financial planning for nonprofit leaders. No pressure, just an honest conversation about what makes sense for your organization and your own financial future.

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FAQs

Frequently Asked

Questions

  • What services do you provide to nonprofit organizations?

    We provide two main services: 403(b) retirement plan establishment and management for your organization (including plan design, provider selection, administration, investment management, employee education, and board fiduciary training), and personal financial planning for nonprofit executives and staff who want to coordinate their personal wealth strategy with their nonprofit compensation and benefits.

  • Do you work with small nonprofits, or only large organizations?

    We work with nonprofits of all sizes across Maryland—from small grassroots organizations with a handful of employees to established institutions with dozens of staff members. Whether your annual budget is $500,000 or $10 million, you deserve access to competitive retirement benefits and professional financial guidance.

  • How does your fee structure work for nonprofits?

    For 403(b) plan services, fees are typically structured based on plan assets or as a flat fee depending on plan size and complexity. For personal financial planning services (working with nonprofit executives individually), we use our hybrid fee model: fee-for-service arrangements for specific planning needs, or assets-under-management fees for clients with established investment portfolios. We provide clear fee proposals upfront—no hidden costs, because we know nonprofits need full transparency about expenses.

  • What's the difference between ERISA and non-ERISA 403(b) plans?

    ERISA plans are subject to federal regulations requiring certain fiduciary protections, annual Form 5500 filings, and more stringent oversight—but they also provide stronger legal protections for participants. Non-ERISA plans (often called "safe harbor" 403(b) plans) have fewer administrative requirements but also fewer protections. Churches and certain other religious organizations may qualify for non-ERISA treatment. We help you understand which structure applies to your organization and what your compliance requirements are.

  • Can you help us evaluate if we're overpaying in 403(b) fees?

    Yes—this is one of the most common issues we address. Many nonprofits unknowingly pay excessive fees because contracts were signed years ago without competitive review. We provide benchmarking analysis comparing your current fees to industry standards for similar-sized organizations. If you're overpaying, we'll help you negotiate better terms or transition to a more cost-effective solution. Fee transparency is essential when stewarding donor dollars.

  • Do you provide personal financial planning for nonprofit employees, or just executives?

    We work with nonprofit professionals at all levels—executive directors, development directors, program managers, finance staff, and anyone else on your team who wants help coordinating their personal financial planning. Nonprofit work often means accepting below-market compensation, and we believe everyone deserving of mission-driven work deserves access to quality financial guidance, not just those at the top of the organization.