Retirement Planning & 401k Alternative

Smarter Retirement Plans — and the Alternatives Most Firms Never Mention

From designing a best-in-class corporate 401(k) to unlocking alternative retirement strategies like self-directed assets and cash balance plans, VFC helps employers and high earners build retirement wealth on more than just the default menu.

Valentine Financial Consultants
Why “401k Alt”

The standard 401(k) is a starting point — not the ceiling.

For most employers and savers, the conversation stops at a basic 401(k) and a short list of funds. We go further: building well-run plans for companies of every size, and opening the door to alternative retirement strategies that high earners and business owners are too often never shown.

Whether you sponsor a plan for thousands of employees or want to maximize your own tax-advantaged retirement savings, we engineer the structure around your goals — and coordinate it with the rest of your VFC strategy.

Corporate 401(k) design for companies of every size
Fiduciary oversight that protects you and your employees
Alternative and self-directed retirement strategies
Cash balance and defined benefit plans for high earners
For Employers

Corporate Retirement Plans, Done Right

A retirement plan is one of the most powerful tools for recruiting, retaining, and rewarding your people — when it’s built and managed well.

For High Earners & Owners

Alternative Retirement Strategies

When a standard 401(k) isn’t enough, these strategies can dramatically expand what you save — and what you keep.

Build retirement wealth beyond the default.

Whether you’re an employer designing a plan or a high earner looking to save more, let’s explore what’s possible.