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Retirement Services and Planning

Strengthen your competitive position.

Attract and Retain Talent

Offering your employees a retirement plan is a smart way to enhance your benefits package and set the stage for long-term success.

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Stay competitive

Helping employees improve their financial well-being reduces turnover and makes your recruitment efforts more competitive.

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Reduce tax liabilities1

Most employers can deduct retirement plan contributions as a business expense (subject to limits), reducing their total taxable income.

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Build wealth for the future

Understanding your options can help you choose the plan that’s most beneficial to your business, while also helping you save for your own future.

Our Approach

There’s no “one size fits all” solution to establishing an employee retirement plan. That’s why we take an unbiased approach to tailoring our guidance and services to the unique needs of your business. Your success is always our focus.

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We’ll take the time to thoroughly understand your business model, cash flow, number of employees and goals.

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Your Financial Advisor will help you evaluate your alternatives and recommend the plan that’s best for you, your employees and your bottom line.

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Putting your plan into action shouldn’t distract you or your employees from running your business. We’ll help you get it off the ground smoothly.

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Once your selected plan is in place, we can help you ensure your business is positioned to respond to growth and changing needs.

Sustainable Investing

Risk Mitigation

Companies that ignore their social and environmental impacts may face regulatory and governance risks.

Conscious Investing

Aim for a positive impact or avoid ties to questionable activities.

Long-Term Performance

Companies with a negative reputation or poor business practices may not be sustainable.

Align with Your Values

You may feel more comfortable investing in companies with business practices that align with your values.

Why might you want to consider sustainable investing?

Sustainable investing gives you the opportunity to allocate your investments toward those that have shown a commitment to solving global challenges such as climate change, social inequality, and unfair business practices. Through sustainable investing, not only can you aim to make a positive impact on society and the environment, you can potentially improve the risk/return characteristics of your portfolios by factoring environmental, social and governance (ESG)2 criteria into your investment decisions. Sustainable investing offers a growing number of options for investors interested in achieving goals beyond financial growth when building their portfolios.

Talk with an advisor about sustainable investing
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Get help simplifying the complex.

Even if you aren’t familiar with the differences among SIMPLE, SEP, ESOP, 401(k) and other plans, a financial advisor can help you understand your options, select a plan and put it to work for you.

Local advisors and nationwide resources.

You benefit from personal relationships and local market knowledge backed by the national strength and resources of Raymond James, a Fortune 500 company. You can review the background of Raymond James and each advisor on FINRA’s BrokerCheck.

Meet Our Advisors


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See how we can help you strengthen your business with retirement planning.

Schedule a consultation.

Request an appointment

Stop by an OnPoint branch.

Find a nearby location or ATM

Give us a call.


* Banking/Lending services not provided through Raymond James.
1While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of RJFS, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.
2This investment strategy may result in investment returns that may be lower or higher than if decisions were made solely on investment considerations.

Securities offered through Raymond James Financial Services, Inc., Member FINRA/SIPC, and are not insured by credit union insurance, the NCUA, or any other government agency, are not deposits or obligations of the credit union, are not guaranteed by the credit union, and are subject to risks, including the possible loss of principal. OnPoint Community Credit Union and OnPoint Wealth Management & Investment Services are not registered broker/dealers and are independent of Raymond James Financial Services. Investment advisory services offered through Raymond James Financial Services Advisors, Inc.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability

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