Small Business Program

Thinking about benefits? About to add a 401(k)? Hold on!

401(k) are tax-deferred, so while they can reduce employee taxes today, they will increase tax payments in retirement, and there can be huge penalties for accessing those funds before age 59.5 with few exceptions. A Heleum account will resolve the major concerns small businesses face with 401(k)s by side-stepping most of their requirements in favor of a more flexible, higher-yield plan with options the account holders can manage easily.

Our program will hand-hold you through getting every one of your employees set up on Auto-ACH through your payroll system, allowing you to specify the match percentage you would like to offer. All our programs encourage people to deposit at least 10% of their income. To help them maximize this, we set you up to offer a 1:1 to 1:10 match on everything they put into their Heleum Accounts, so you can match 10% of their income to help them reach their tax-free growth and tax-free retirement income goals.

The best part of all is that this account will stay with the employee wherever they go, since it's paid from the employee's bank account, not yours. Just notify us when they have a change in income or employment status. You'll have a personal account management team that can be reached at any time.

Set an appointment for more information here: