Retirement Planning
Strategic retirement plans built to protect your future, grow your wealth, and give you confidence in your next chapter.
Global clients around the world
20+
years of experience
800+
clients served
Millions
saved in taxes
8–15×
ROI based on average client results
Our Retirement Plan Options
Providing the right retirement plan is an essential part of attracting and retaining quality employees. Employees each have different retirement needs or objectives. A retirement plan needs to offer a wide range of retirement choices to stay competitive.
The Types Of Plans We Offer:
- Profit Sharing
- Safe Harbor 401(k)
- SIMPLE IRA
- 403(b)
- 401(k)
- Age Weighted
- New Comparability
- Roth 401(k)
- SEP IRA
- Individual (k)
Plan Design and Administration
We provide the following services:
- Assessment
- Design
- Implementation
- Administration
- Annual Review
Compliance
As part of our administrative duties and year-end reporting process, JMR Financial Group. keeps your plan compliant with the latest rules and regulations. All compliance reports are prepared on behalf of your qualified retirement plan and include the following:
- Participant Fee Disclosure Notices-404a-5
- Nondiscrimination Test – 401(a)(4)
- Actual Deferral Percentage (ADP) Test
- Actual Contribution Percentage (ACP) Test
- Deferral Contribution Limit Test – 402(g)
- Compensation Testing – 414(s)
- Annual Addition Test (Individual) – 415(c)
- Employer Contribution Limitation Test – 404
- Compensation Limit $350,000 for 2025, indexed
- Top Heavy Test – 416(c)
- Coverage Test – 410(b)
- IRS Required Plan Amendments
- Summary Annual Reports (SAR)
- Form 5500, Form 5500-SF, & Form 5500-EZ
Retirement Plan Advantages
For Employer:
- Retirement plans help attract and retain quality employees
- Employer may receive a tax credits for starting and contributing to a qualified retirement plan
- Employer contributions are deductible and can be flexible
- These types of plans are easily understood by employees
- Employer has the ability to shift some of the responsibility of saving for retirement to the employees
- Employee directed investments can mean less fiduciary responsibility for the Employer
For Employee:
- Earnings on qualified plans grow tax deferred
- Can lower taxes by reducing taxable income when deferring into a 401(k) plan
- Younger employees can accumulate larger balances over time
- Participants can direct their own investments
- Participants may be able to borrow from the plan if provided for in the plan document
- Employee can choose Pre-Tax or After-Tax Roth deferrals in some plans
Real Results, Real Clients
Trusted by Business Owners Like You
ZMC & Associates LLC has been such a great assistance in growing my business. They have not only assisted me with accounting services but has offered business consultation on how to boost productivity and profit for my business. Before consulting with ZMC & Associates LLC, I had little knowledge on payroll, bookkeeping and business taxes. ZMC & Associates LLC assisted me in every step of the way in setting up payroll and bookkeeping for my business. The staff maintains the highest degree of integrity and professionalism when serving you. I highly recommend ZMC & Associates LLC to any business owner seeking a reputable business with a personalized approach to helping their clients maintain business profitability and to stay in compliance.
Unified Counseling, Snellville, GA
DACA was having a difficult time finding someone who was willing to assist us with registering our group as a nonprofit. Finally someone referred us to ZMC & Associates LLC. In a very short time Mrs. Cazaubon convened a meeting with our executive. She presented a very detailed account of the procedures and the requirements for applying for 501 status. She discharged her duties professionally, was very organized and efficient and kept us abreast of the process. She gave us a time frame as to when we would receive our tax exempt status. She was on target. Mrs. Cazaubon is a very pleasant, trustworthy and outgoing individual. DACA is pleased with her performance. We will continue to engage ZMC to assist us with our tax and accounting issues. We strongly recommend ZMC to individuals and groups who would like to utilize her services.
Dominica Lilburn Cultural Association, Redan, GA
I have been using ZMC Accounting for their tax services for several years. The process is always quick and convenient and I am always happy with the end result. The best part is I never have to step foot into an office or fill out any tedious forms. I even received assistance with my annual FAFSA form I needed to file out while in college. When I receive exceptional service I am usually a customer for life. I also will refer my family and friends. I love to rave about ZMC Accounting especially during tax season when people are frantically gathering their tax documents and dreading the tax return process. For me it's a quick and simple process from the time I submit my documents to the time I get my money directly deposited in my account.
Moricia Sylvester, NY
"Zephrina have displayed professionalism, integrity and honesty as core values for her business."
Zephrina has been my tax accountant the past several years and I can confidently say that Zephrina have displayed professionalism, integrity and honesty as core values for her business. She is very knowledgeable on all tax concepts and always on top of current accounting changes She goes above and beyond to ensure satisfaction and I have always been 100% assured of such satisfaction. Not only does she put her clients best interest at heart but also displayed outstanding business ethics. I have developed total trust in her business and remained confident that she will continue to do a good job with my finances. Without any reservation, I highly recommend Zephrina.
Carrol Steele-Smith, Jonesboro GA
Frequently Asked Questions
Common questions you may have, providing clear and concise information to help you understand.
Our retirement planning services encompass comprehensive financial assessments, savings and investment strategy formulation, tax‑efficient withdrawal planning, risk management, and estate planning. We evaluate your current financial position, determine your desired retirement lifestyle, and create a personalized roadmap. This includes optimizing contributions to retirement accounts – such as 401(k)s, IRAs, or other tax‑advantaged vehicles – analyzing investment portfolios, projecting future income streams, and ensuring your plan adapts as your needs and market conditions change.
It's never too early to start planning for retirement. Ideally, you should begin as soon as you have earned income so your savings can benefit from compound growth over time. Early planning allows you to contribute smaller amounts over a longer period and adjust your strategies as your career and life circumstances evolve. That said, if you're closer to retirement, we can still build a realistic plan focused on maximizing contributions, strategically managing risk, and aligning your investment strategy with your desired retirement age and lifestyle.
We begin by getting to know your unique circumstances—your current income, assets, debts, risk tolerance, desired retirement age, and lifestyle preferences. Using this information, we model various retirement scenarios, identify any gaps, and create a customized plan aligned with your objectives. We then recommend appropriate investment vehicles, savings strategies, and tax‑efficient withdrawal plans. Throughout our relationship, we regularly review and adjust your plan as your goals or market conditions change, ensuring it stays on track toward the retirement you envision.
We look at your business size, cash flow, number of employees, tax situation, and long-term goals. Then we recommend a structure that balances cost, simplicity, and benefits.
Absolutely. We can assist in rolling over or consolidating accounts in ways that maintain tax-advantages and align with your goals.
Ready to Secure Your Future?
Let’s build a retirement plan that works for you, your team, and your business.